subject: How to keep your credit card safe over Christmas [print this page] The reason behind this is that shoppers believe banks shoulder the risk of any potential fraudulent activity online. Annabel Gorringe, an analyst at Datamonitor, said that 85 percent of consumers are certain that they will get their money returned to them if they are fraud victims. Because of this, they are failing to take basic preventative action to ensure the safety of their finances.