How to Keep your Credit Card Safe while Online Shopping
With the advent of online shopping in recent years, it is strange why credit card safety still tends to be overlooked. In any case, Internet is a matter of convenience – why spend time searching for stores when all imaginable goods are just inside your computer? Despite this, the fear of credit card fraud has kept some people wondering if they can keep their credit card safe while online shopping.
There is always some risk, but online purchases can be safe if you follow several simple rules, listed below.
Shop at trusted e-commerce websites
First, always shop from reputable companies such as Amazon, Overstock, or Expedia. Many people around the world have heard of ebay and Shoes.com – shopping there carries minimal risk. Moreover, most well-known brands run e-commerce websites. Famous companies will use the most up-to-date security measures when dealing with customers’ credit cards (or they won’t be trusted and reputed in the long run).
Check company’s trustworthiness
To keep your credit card safe while online shopping, always look for the postal address and the fixed-line number of the company you want to buy from. An e-mail address is insufficient as everyone can open an email account with ease (your child will teach you). If something with the purchase gets mixed up, it is important to be able to contact the seller. When it looks as if the seller does not want to be contacted directly, the best way to keep your credit card safe while online shopping is to stay away.
If you are buying from a company for the first time, take the time to learn about it. Talk to people you know and visit consumer review sites in which users discuss and rate products, services and companies. It pays off to wait and be on the safe side.
Use secure connection
Make sure the connection is secure. You can always trust SSL (Secure Sockets Layer), the most typical type of security setting. SSL processes data by breaking it up into little bits so that nobody/nothing can read it. If your Internet browser has the relevant security settings, you will receive notification whether you are entering a secure area or not. If you are, the address bar will usually change from http to https. Avoid sending credit card information by e-mail unless there is absolutely no other way.
Don’t get into the trap of phishing e-mails
Beware of e-mail scams. Millions of so called phishing e-mails – e-mails aimed at gaining access to credit card details – are sent out daily. Many of them manage to lure unsuspecting victims into revealing confidential data. Sometimes, these messages appear very convincing, as they look as if they are from well known companies. You must be certain of one thing – no reputable company will ask for your credit card details in an e-mail. To keep your credit card safe while online shopping, go to the website of the e-commerce tailer and do your shopping there. Be good to your fellow shoppers. Contact a company representative and tell him or her about the phishing emails sent to customers. The top level management will put extra efforts to make sure your credit card information is secure when you shop online with them.
Get extra passwords
Sign up for additional security features such as an extra password. Verified by Visa or Mastercard Secure Code is one such example. When shopping on sites with extra safety features, you cannot make a purchase without entering this password. Finally, to keep your credit card safe while online shopping, don’t give your credit card information to your kids. Children are well-informed today, but credit card safety might not be among the issues on their priority list.