Originally Posted by Joe-
I just use an amex and don't worry about it. They back their customers 99% of the time. and I am not liable for any fraud chargers.
+1 on AMEX customer service.
Reality though is in the US, you have zero liability if your card number is fraudulently used and you still posess your card. $50 is your maximum liability if you lose your actual card and only applies up to when you report the card lost/stolen. I still will use the temporary card numbers to avoid any potential hassle, or if I suspect the vendor might try a recurring charge such as an automatic subscription renewal.
THIS is why I do NOT use debit cards. You simply do not have the same protections.