7USE APPS PROVIDED DIRECTLY BY THE RETAILERS

Apps in Appstore and Google Play Store are actually safe. Instead of using a credit card, a mobile payment app like Apple pay, Google pay is preferred. It generates a one-use authentication code for the purchase that no one else could ever steal or use.
Also, the use of retailers apps like Amazon, etc is safer than using the internet and going through the websites. This would avoid misspellings of URLs and, other complications