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Once you've used the temporary number, it's often about as useful to hackers as last year's fruitcake.

Sometimes called "disposable," "temporary" or "one-time use" numbers, a virtual credit card number is "like putting a wall" between your transaction and your regular account, says Steve Kenneally, vice president of the American Bankers Association.

Some issuers will allow you to set a maximum spending limit, he says.

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Instead of using your real credit card number when you check out online, your credit card issuer gives you an alternate set of digits, often for one-time use, that you substitute instead.

The disposable number links to your account, and whatever you buy will show up on your credit card bill.

Want to reduce the odds of a hacker getting your credit card information after an online shopping spree?

One solution: Consider using virtual credit card numbers.

All this is available to you now with no charge ever.

The site features include a group chat room, private messaging system, instant messenger, photo albums, vides albums, virtual gifts, flirts and advanced search features."The best consumer is a well-informed consumer." Even consumers whose cards don't provide disposable numbers can elect to use them for online shopping, says Jay Foley, principal partner for ID Theft Info Source.His solution: Shop Shield, a company that, for a fee, provides virtual numbers for all a consumer's cards.And just because you can use one virtual number for multiple transactions or multiple merchants over a longer period of time, doesn't mean you should, says Foley.Limiting its use -- to a short time period, or to one merchant -- is what makes a virtual number a valuable weapon against fraud and theft, he says.Wish you could use a virtual credit card number to pay recurring online bills? It used to be that virtual numbers were thought of as a one-time, disposable tool. But some issuers will also let you customize your request, says Kenneally.

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