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Then we'd say, "For security purposes we've removed your account information.Please re-enter it." Credit Cards.com: Where did you get the e-mail addresses for your phishing schemes?For the Pay Pal scam, I was trying to find people around my age or younger, so I targeted college and universities.

Credit Cards.com: How did your phishing scams work? The first one I did, I targeted AOL users, because I thought they would be less computer literate and more likely to fall for my scams.

We said, "Your credit card information has expired.

As part of the scam, I'd get their date of birth, address, Social Security number and driver's license number.

Then I could make a fake ID that had all accurate information on it.

Credit cards are much better at protecting you against fraud. De Felippi: You've probably heard this before, but the most important thing really is to watch your accounts.

And if you're worried about debt, you can always pay them off every month. And I don't mean just checking your statement once a month.

Come to this site and update your information or your account will be closed." I did something similar with Pay Pal.

I sent an e-mail that said, "Someone has accessed your account. Please click here to access your account." We'd link them to a fake website and they'd give us their Pay Pal login information.

If you're only checking your statement once a month, someone can start using your card at the beginning of the billing cycle, and they can do a lot of damage before you catch it.

You're talking thousands of dollars, and it will be a lot harder to catch them and dispute it. It is really easy to create a fake online store or to create a store that sells stuff, but its real purpose is to collect credit card information.

"I would make fake IDs to go with them, and then I'd buy laptops or other expensive items in the store and sell them on e Bay," he says.

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