In the age of the internet, you can virtually do anything online. These days, you do not even have to leave home to do most of your shopping. From clothes to furniture, online shopping has become the norm.
The most common method of payment when shopping online is through credit cards. If you are platting on using your card to make payments online, it is essential that you have a clear idea of how you can protect your credit card details. This article presents simple tips for safe online shopping:
Tip One: If your bank offers any form of security services, take advantage of it.
It is best to take precautionary measures to avoid any online fraud.
Tip Two: Always buy from trusted online stores
When you come across certain websites that looked poorly built, think twice about purchasing from it. Whenever you are shopping online, check these details on an online store:
- Looked for the vendor’s business details on the site
- Check if the contact details are clearly defined
- Look for street addresses, not just GPO box
Tip Three: Make sure the servers are secure
Today, the industry standard for shopping online is Secure Sockets Layer or SSL technology. One indication that a website is using SSL technology is by looking closely at the URL. Instead of HTTP, a secured website uses HTTPS. Additionally, look at the lower right side of your browser frame, an unbroken padlock icon should appear. This means any private information you sent online will be encrypted.
Tip Four: Use your common sense
Using your common sense can lead to safe online shopping. Always equip your computer with safety software like firewalls, anti-virus, spy-ware detectors and create access codes that are difficult to guess. Never give any credit card details online and keep a record of your credit card transactions or check your account statements online to confirm them.
Tip Five: Always remember what you are buying online
Before you finalize your purchase, it is important to know what you are buying. The reason for this is that there are some banks are unwilling to protect you if you have a hand in a fraudulent transaction. Just to be sure, check the following when you do online shopping:
- Check for warranties
- Check the return policy
- Check the total amount of the item, including shipping insurance and currency, before you buy them
- Make sure the store guarantees confidentiality and security.
Finally, if you are online shopping for items overseas, make sure that you check to see if the import items are legal or if there are any customs charges that will apply. Know that Australian consumer protection laws may not apply.