Do you love online shopping? Who doesn’t! There are so many e-commerce stores popping up, with enticing products and even more enticing prices. There’s also the convenience of shopping without tiring yourself out, going from shop to shop, and of course, hassle-free payments using credit cards.
Be careful though because there are cybercriminals waiting to prey on unsuspecting online shoppers. These people will steal your credit card information if you give them the chance—and that could only ruin the enjoyment of online shopping for you!
Be vigilant in using your credit card for online transactions. When you shop online (because really, who could resist?), keep the following reminders in mind:
Use strong yet smart passwords
You may have heard about the Heart Bleed Bug that caused serious online security issues all throughout the world very recently. Reports say it has already put a huge number of passwords, credit card numbers, and other private online data at risk.
Because of this event, tech professionals advised online users to change online passwords. Be smart in creating passwords—whether it’s for an e-commerce site, a social media account, your online banking facility, or your email. Use a combination of capital letters, numbers, and special characters. It’s also advised to use more than six characters. Don’t make them so complicated though that you could forget about them.
Don’t skip verification
One of the ways to stay secure when shopping online is to look for the latest credit card password procedures, like Verified by Visa. Citibank credit cards offer a service that verifies suspicious emails to reveal online swindlers.
To avoid scams, don’t click on links attached on email messages, unless it’s sent by a source you trust. Email scams allow fraudsters to hack into your email account compromising your contacts and other confidential information.
This is why any password, whether for your email account or any other online account, should not be disclosed to anybody. Look for sites with that support strict email verification processes.
Read the privacy and security policies of e-commerce sites
Take time to review the security and privacy policies of e-commerce sites you frequent, especially ones that require you to disclose information such as personal and credit details. Transact only with reputable sites, as much as possible. It will give you better peace of mind shopping on a site that values the security and privacy of its customers.
Apply for credit cards that provide online shopping security
If you’re just planning to apply for a credit card, look out for credit card features that will benefit you especially when shopping online.
Hang Seng Bank offers enJoy Platinum Visa Card that comes with Verified by Visa service, which lets you register via Hang Seng Personal e-Banking and set a password for online purchases.
HSBC also has the same feature with its Cardholder Identify Authentication, where it requires the internet banking username, password, and security device for registration, to ensure the security of every transaction.
Check for other safe online payment options
There are people who prefer to pay with credit cards since they think it’s safer and convenient to use. If you’re not too confident though, there are many other online payment methods that you can use without revealing your credit card details anywhere online. One such example is PayPal.
When you shop from an e-commerce site, check out available payment methods offered and choose one which you are most comfortable with. If you’re still using a credit card, just make sure that the site provides a full “encryption” system. This ensures that your information is protected and can’t be accessed while it is in transit.
It’s always better to be safe than sorry! You’ll never know when internet criminals may strike. If they get their hands on your credit card information, you can suffer serious financial consequences. Keep in mind the tips mentioned above to stay secure online, all the time.