Its my understanding that when using public hot spots (unsecured access points) are not safe because someone can monitor the traffic between your laptop and the access point.
What about making credit card purchases using public hot spots? Most banks and online businesses, I think, use https (secure socket layer) for making connection to their sites so the info. is encrypted. If the access point that you are using is not secured, but you are using https when communicating with the host, is the traffic still encrypted?