Abstract: A secure credit card and a method of use of the same is shown. A transactional processing system using the method and the secure credit card of the present invention is also shown. The secure credit card has a first group of numbers or symbols which identify a user, and a second group of numbers or symbols, which may be different from the first group of numbers or symbols, and which represent unique information known only to the user, such information not being placed, or encoded, on the secure credit card in any way, so that it cannot be used in credit card theft and fraud. The position and/or number and/or type of symbols in the second group of symbols, or a combination of these, may be used to indicate to a card reader a unique piece of information (the identified information) to be requested from a user to verify a transaction.