If you are going to shop on line a couple of points to consider. Why not open a second debit account, under your Parent Account. Maintain a float of $50.00 or maybe $100 in the account. If you jacket is $250.00 for example, add in the difference and make the transaction. If by chance you have chosen a poor trader, or someone hacks you account, you only stand to use $250.00, and if you report the problem immediately you won't even lose that.
Second Tip, stick to the reputable traders. Read the comments left by other buyers that have used the site before you. Check the site out on the Internet, for example, Google - ABC Jeans Corporation and see what people are saying. If they are less than legitimate there WILL be comments.
Third Tip, keep your antivirus, operation system and desktop program original and up to date to ward off hackers.