Except in the case of the CIO, the pirates are the business teams who, armed with a mere credit card and a cloud-based application, can navigate around a less nimble CIO and his staff.
Music lovers can access MOG's entire catalog of over 11 million songs, nearly everything you'd find in popular music download stores, for free, making it the easiest way to enjoy instant access to music with no installable client application and no credit card needed.
ENGADGET: MOG FreePlay brings 11 million songs to the web gratis, makes you work for free tunes
An e-mail could alert a consumer who didn't apply for a new card that Sears Roebuck (nyse: S - news - people ) or Citigroup (nyse: C - news - people ) checked his credit in connection with a new card application, a possible sign of identity theft.
They also could manage credit-card accounts and track spending through an application on their smartphone, the people said.
The application of these rules varies widely by credit card company.
FORBES: Many Credit Card Issuers Hiding Penalty Rates, Study Finds
On Thursday, it plans to introduce an application that allows small businesses to accept credit and debit card payments on smartphones.
Before the CARD Act, credit card issuers clearly disclosed the penalty rate and the terms in the application process because this gave them the legal right to raise rates immediately and without notice as soon as accounts became past due or cardholders went over their credit limit.
FORBES: Many Credit Card Issuers Hiding Penalty Rates, Study Finds
And just recently Intuit Corporation released their GoPayment application targeted at small business owners who need to accept credit card payments on the go (I intend to write about this one soon).
FORBES: Hey Honey, Size Really Does Matter...Especially When It Comes To Mobile Devices
The application, which can be downloaded for free, charges vendors a credit card processing fee of 1.8 percent plus 15 cents per transaction, assuming you're swiping plastic from MasterCard, Visa or Discover.
So if you have an application with sensitive customer data such as names, addresses, social security numbers and credit card numbers, thoughtless cloning can result in major exposure.
If you are considering renting an apartment or taking out a mortgage, car loan, or credit card together, both credit scores will impact the outcome if each of your names are on the application.
FORBES: For Love or Money: 3 Financial Conversations to Have Without Breaking Up
Last week Barclaycard and Orange announced that credit or debit card holders from all UK banks would be able to load money onto Barclaycard's mobile payments application, in the Quick Tap wallet.
ENGADGET: Barclays releases PayTag: the NFC card you glue to your phone (video)
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