How do you keep your credit card safe while shopping online?
Planning to do some shopping on the Internet?
You might have heard stories of people being scammed, phished or hacked while shopping online with their credit cards.
Keeping your credit card safe while shopping online means you have to follow the same safety procedures you adopt when you go to your local mall for shopping: Protect your wallet, never speak with strangers and only visit stores you trust and have good past experience with, else chances are you will get scammed like this.
Here are some tips you can follow to keep your credit card safe while shopping online.
Phishers and scammers are experts, and they are everywhere. They can make clone sites of other trusted stores and online merchants with realistic looks and put up badges that pledge online security and credit card safety. So how to avoid falling for their bait? The best way is to double-check the URLs of sites you use for shopping online.
An even more effective way is to not trust links you receive in the email or on online forums, and instead, carefully type the merchant’s web address yourself into the browser. Make sure that you’ve entered the exact address without any spelling mistake. Remember, even one misspelled word has the potential to land you in the hands of phishers.
Use credit cards that make it easy to report fraud
Not every credit card is made equal when it comes to reporting fraud when shopping online. You should know which credit card offers you the easy way to report a fraud in shopping online. It is very important to sign up for a card with an issuer that can reach you when you need help. There are many credit card issuers that would give you a tough time when you try to report a fraud.
The HTTPS and VeriSign insignia
You might already know what the HTTPS is. For those who don’t know, when you see that the URL of web page where you check out and give your credit card information when shopping online begins with HTTPS, it is probably safe to use. If the web page doesn’t start with HTTPS, it is likely not safe for use.
When you see a VeriSign or a padlock badge near the bottom of the page where you enter your credit card information on a website, it indicates that you are protected.
Be careful when shopping online via Wi-Fi
Remember, when you are shopping online via wireless connections, you are more vulnerable to attacks, especially when you are using a Wi-Fi hotspot. Buying via your cellphone is also very risky, as your mobile phone is prone to be hacked because every day hackers poke holes in devices we use. Using landline connections or devices having secure routers when shopping online are comparatively safer options.
For even more secure online shopping experience, you should also make sure to have a trusted firewall, and updated antivirus and antispyware installed on your computer and other devices you use for shopping.