The dangers associated with online purchasing and online credit, is card fraud. If you are not careful, you
could end up being a victim of online fraud, which could leave you with a large bill to pay of items that
you have not purchased. Here is some more information about the dangers of online credit card fraud
and how to avoid them.
Why shop online?
If there are dangers to shopping online, then why do so many people do it? Well, the dangers of online
fraud are only equal to those of any other type of transaction. Also, online shopping is often much
cheaper and quicker than regular shopping, and consumers who want to find great deals without leaving
their home are turning to online stores.
Use credit not debit
The first tip to help you avoid online fraud is to make sure you try and use a credit card to purchase
goods rather than a debit card. This is because credit cards are much safer than debit cards and have far
more security features. If someone were to get hold of your debit card details, you are unlikely 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 online, it is important to make sure you only 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 starts with https://. This means that the page is secure, and it is safe to use. If it does not start
with this prefix, then do not enter your details.
Use trusted web sites
Although making sure the page is secure is important, you should try and make sure you only use tried
and trusted web sites for purchasing online. Using small or unknown sites can lead to problems, whereas
if you stick to large company sites that are used by many then you are more likely to stay safe. These
large web sites have better security features in place, and are more likely to help you with any problems
regarding unauthorised transactions.
Keep all details
If you make a purchase online, make sure that you print out all of the details of the order, such as the
company name and address as well as 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 is important to remember that as well as being safe online, you should 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.
Make sure you have adequate anti-virus protection that is up-to-date and that you have firewall in place.