How to Steer clear of Online Credit Card Fraud
If you’ve ever shopped online, then you might know about some of the dangers related to online purchasing and on-line credit card fraud. If you’re not careful, you could end up being a victim of on-line fraud, which could leave you with a large bill to pay of items that you have not purchased. Here’s some more information about the dangers of online credit card fraud and how to avoid them.
Why shop online?
If you will find dangers to shopping on-line, then why do so lots of people do it? Well, the dangers of on-line fraud are just equal to those of any other type of transaction. Also, online shopping is usually much cheaper and faster than regular shopping, and consumers who want to find great deals without leaving their home are turning to on-line stores.
Use credit not debit
The first tip to aid you avoid online fraud is to make sure you try and use a credit card to buy goods instead of a debit card. This is because credit cards are a lot safer than debit cards and have much more security features. If someone were to get hold of your debit card details, you’re not likely to be protected. However, credit cards are usually covered by purchase protection, meaning that items you have not bought will be refunded to you.
When shopping on-line, it is important to make sure you simply enter your card details over a secure connection. If you enter your details on a page that is not secured, it will be easy for fraudsters to get your details and use them to purchase items. To make sure the page is secure, check that the page address begins with https://. What this means is that the page is secure, and it’s safe to use. If it doesn’t start with this prefix, then don’t enter your details.
Use trusted websites
Although ensuring the page is secure is very important, you need to try and make sure you simply use tried and trusted websites for purchasing online. Using small or unknown websites can lead to problems, whereas if you stick to large company sites which are used by many then you are more likely to stay safe. These big web sites have better security features in place, and are much more likely to aid you with any problems regarding unauthorised transactions.
Keep all details
If you make a purchase on-line, ensure that you print out all of the details of the order, like the company name and address and also an invoice number and the amount you have spent. If anything goes wrong then you will have some record of the transaction and be able to sort out the situation.
It’s important to remember that as well as being safe online, you need to make sure your computer itself is safe. The easiest way for a fraudster to get to your financial information is to hack into your computer. Be sure you have adequate anti-virus protection that’s up-to-date and that you have firewall in place. This will assist to stop fraudsters getting hold of your information, and keep your money safely where it belongs.