The FTC tested how long it takes for criminals to use personal data dumped online, including credit card information, and found it can take just nine minutes before thieves try to use it.

Your credit card information is valuable, and for criminals who want to learn how to find and use it -- there's a class for that.
One six-week program, taught in Russian, includes lectures on finding legitimate credit card data for sale and hacking into PayPal accounts.

Security firm Digital Shadows discovered the cybercrime class taught by five instructors and sold on a deep web forum. The class was revealed in research published Wednesday investigating credit card fraud and a criminal activity called "carding," or stealing and using payment card data.

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