Credit Card Security Tips for Online Customers

Your credit card is not secure anywhere, especially online. When shopping online with your credit card, it’s important to follow some guidelines to avoid credit card fraud and identity theft.

01 Use only your credit card on websites you trust.

01 Use only your credit card on websites you trust.

When shopping with a credit card online, it is important that you only go to websites you trust. Avoid clicking on email links, especially in spam emails, as those links may lead you to a fake website that is set up solely to steal your credit card information. Instead, go directly to the right website by typing a URL into your web browser.

  • 02 Do not buy credit cards online from public places.

    credit card credit score credit loan

    Public computers and networks are less secure, so there is a greater chance that your credit card information can be stolen when you use it to make purchases on a public computer. These computers may have keylogger software that will record all your keys, including login information and credit card number.

    You are not sure just because you are using your computer on a public Wi-Fi computer. Hackers have access to the same WiFi signal and can intercept information as it is transmitted. That means no online ordering while using Wi-Fi at your local coffee shop.

  • 03 Protect Your Computer from Viruses and Hackers.

    credit card credit score credit loan

    Make sure your computer is protected from hackers that could send a web browser to a fake website by uploading the latest anti-virus and antispyware software to your computer. Only use reputable antivirus software, not something you see in pop-up advertising or get as a link in an email.

  • 04 Check with the Better Business Bureau.

    If you use your credit card online at a store you are unfamiliar with, check the Better Business Bureau or other consumer reports before entering your credit card information. Do not use your credit card on any website that has poor customer service records with the Better Business Bureau.

  • 05 Use a credit card online instead of a debit card.

    Credit cards provide more protection against fraudulent payments than debit cards. With credit cards, your maximum liability for false charges is $ 50. However, with debit card fraud, you could be liable for up to $ 500.

    Not only that, if your debit card is compromised, you can lose access to all the money in your checking account until the bank declares a fraud. It may take several days to recover your funds. In the meantime, your bills are coming in and may face late penalties from the companies you owe. Subsequent credit card fees take nothing out of pocket and are easier to deal with.

  • 06 Make sure your credit card entry page is secure.

    Just enter your credit card information on secure websites that will protect your information. You can check the security of the website by checking the URL. On the page where you enter your credit card information, the URL in your browser’s address bar should start with “http s : //” and should be locked in the bottom right corner.

  • 07 Print your credit card receipts online.

    When using your credit card online, always print a copy of your receipt or receipt. Then, compare the amount on your receipt to the amount in your invoice statement to make sure the totals match.