The fear of fraud, spoofing, phishing, identity theft, and lax website security have a sizeable percentage of consumers wary of using credit cards online. According to the 2011 Norton Cybercrime Report, cyber fears are on the rise – nearly three quarters of adults (74 percent) say that the possibility of cybercrime is something they are always aware of when online and nearly 9 in 10 adults say it’s important their security software protects their computer 100 percent of the time.