Online shopping is, on one hand, very easy and convenient, but it holds risks of data breaches, phishing scamming, and fraudulent web sites. Protecting information on a credit card from these malicious activities requires habits and technology. Here's how to make your online shopping practices safer:
1. Use Secure Websites:
- Search for HTTPS: The site URL should start with "https://" rather than "http://". A padlock icon next to the URL shows that encryption is used by the site to secure your data.
- Check the Website's Authenticity: Shop at reputable and popular websites. For less popular sites, search for customer reviews and validate contact information before transacting.
2. Do Not Use Public Wi-Fi to Make Transactions:
- Public Wi-Fi networks are usually not secured so that hackers may intercept your data.
- Use VPN: When you have to shop on public Wi-Fi, make sure you use a VPN which encrypts your internet connection.
3. Use strong and distinct passwords:
- Each shopping account should have its password so that if one password is broken, it doesn't affect others.
- You may use a password manager for generating complex passwords and saving them securely.
4. Activate Two-Factor Authentication (2FA):
- Most online shops have 2FA, which necessitates a second verification step like a code sent to your phone or email. This gives you an added layer of security.
5. Monitor Your Financial Accounts:
- Check your credit card statements for unauthorized transactions.
- Set up alerts for your credit card to let you know when there are charges above a certain amount or unusual activity.
6. Use Secure Payment Methods:
- Credit cards over debit cards: Better fraud protection and disputable resolutions compared to the case of debit cards
- Virtual or Disposable Card Numbers Some banks and payment providers offer online, one-time-use card numbers.
- Digital Wallet Services such as PayPal, Apple Pay, or Google Pay not share your card details directly with a merchant.
7. Watch out for Phishing Scams:
- Do not click links from unsolicited emails or messages that offer "too good to be true" deals.
- Always check the email address of the sender and the link before entering any sensitive information.
8. Do not save your credit card information:
- Though it may be more convenient to store your credit card details on a website, the risk is higher as hackers can get into the information when the website is attacked.
- Enter the payment information each time manually.
9. Keep Your Devices and Software Updated:
- Regularly update your operating system, browser, and antivirus software to protect against the latest security vulnerabilities.
- Use firewalls and enable antivirus protection to guard against malware and keyloggers.
10. Check for Red Flags During Checkout:
- Beware of requests for unnecessary information like your Social Security Number.
- If a website seems poorly designed, has grammatical errors, or lacks customer service information, proceed with caution.
11. Use Price Tracking Tools with a Grain of Salt:
- Some price-tracking tools or browser extensions may gather information about your shopping habits. Use trusted tools and read their privacy policies before installation.
12. Be on Your Toes during Holidays:
- Scammers usually create fake websites or phishing emails during Black Friday or holidays. Be sure to only stick with trusted retailers and do not hurry into deals.
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