Android application listens for credit card data followed by theft

If you’re paranoid about your personal information getting stolen, then you might want to be wary of purchasing a smartphone as such handsets might just carry software or applications that carry your financial data with you, including your credit card numbers. Imagine the presence of a new strain of smartphone malware which will actually monitor phone calls and steal credit card numbers that are spoken or entered onto the keypad. Does this mean we have to speak in a dialect or use Pig Latin to get our message across in the future so that no data theft occurs? Hopefully there will be some sort of built-in defenses on smartphones.