I met one of my best friends over Xbox Live, as well as other good friends so I'm fairly open about what information I give. It doesn't really bother me as the only thing I would be worried about is ID fraud (because who wants to stalk an 18 year old guy?), but I don't have a credit card, officially my dad pays for phone bill at least for the next year and when I buy things like Live Gold or Microsoft points I use cash for a pre-paid card at EB.