Online shopping has become a huge industry and the preferred way most people do their shopping nowadays. But many of those who shop online do not think twice before using their cards to complete their orders. And this can cost them a lot of money if they are not careful.
These tips can be used to enhance your shopping experience online, through security and convenience.
1. Use a credit card instead of a debit card.
You will add more security to the whole online shopping process if you always use a credit card instead of a debit card. In the case of a debit card, you can lose all the money in your account at once in case of fraud. But in the case of a credit card, fraudulent transactions can be canceled much easier.
2. Be vigilant and check your bank statements thoroughly.
It is a good idea to check your bank account after each online order you make. Do not rely on the simple fact that everything is okay just because you are not missing a large amount of money. Fraudulent test transactions can often be made. You will be missing only a small amount of money, but this can be just a way of testing the card. It may even go on for months until a more substantial fraudulent transaction takes place. So if you notice any unusual or suspect transaction, it is advisable to contact your bank before more harm is done.
3. Check the reputation of the shopping website.
You should never go shopping on a website that seems suspicious and does not inspire confidence. Also, it is not good to trust and start spending money when you are accessing a questionable webpage which gives you the feeling that something is wrong. Although sketchy appearances are not always visible, you should read some reviews regarding a suspicious website to see if it is a legitimate business. Sometimes it can help especially if they have done fraud before.
4. Perform a full computer scan before initiating payment and make sure it is 100% protected from viruses.
5. Avoid making purchases by connecting to a public wireless network that can be intercepted.
If you need to do this, use a dedicated payment solution, such as Safepay, to securely connect to your bank account or online payment websites.
6. Use only secure sites.
Choose online stores with SSL certificates so you can confirm their identity. An address starting with HTTPS and a locker indicates that you are on a secure page.
7. Recognize and take into consideration phishing messages.
Scammers use discount coupons to tempt less alert users. They attract users with fake shopping pages and fool them to share their card details in return of products that they will never get. Do not buy any products promoted by unsolicited emails. Check the legitimacy of an online store in forums, through a simple search in search engines. Learn from the experience of others. Online shopping can be convenient, and you can save a lot of time, but you have to be careful. With a little bit of common sense and attention, you can remove any concern that your money can be stolen through any transaction you make.