Abstract: In one aspect, a computerized method for secure credit card commerce transactions can include the step of receiving in a computer with a memory, from a user-side computing device, an electronic message that a user intends to use a credit card, wherein the electronic message comprises a request to activate the credit card, and wherein the credit card is initially in an inactive state. With at least one processor of the computer implementing the following steps can be implemented: placing the credit card in an active state; detecting that the credit card has been used for a commercial transaction; and placing the credit card in an inactive state after it has been detected that the credit card has been used for a commercial transaction.