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You must be able to access your visa or mastercard statements online. Be in the habit of checking them one or more times a week, especially if you buy online a great deal. In case a charge pops up that you simply don't recognize, you will be able to dispute it immediately. However, should you don't check it quickly enough, you may possibly not have any recourse.
There is certainly certain information that will not be asked for during the shopping transaction, so be cautious of the you share. Even though it is normal to offer name, address and payment information, you must not handle any retailer that asks you to your bank routing number or your social security number.