Using your credit card online to shop can be nerve-racking for someone who’s already been a victim of identity theft. But there are ways to safeguard your credit card from harm. All you have to do is to follow these tips:
Never do an online transaction in a public area
Public computers like those in internet cafes are not the best places to make credit card transactions. There’s greater chance for your information to get stolen this way. Public computers may be equipped with key loggersoftware that will record everything you do on online. There are software programs out there that can capture even your login information. Also using a public wireless network can be detrimental to your credit card’s health, as it is more susceptible to hackers.
Only conduct transactions on sites that you trust
When you’re using your credit card online, only carry out transactions on websites that you trust. Try to avoid clicking on links that could take you to bogus websites. These fake websites are purposely created to steal your credit card details. The best way to go to your trusted site is to the URL of the website directly.
Regularly scan your computer
Invest in decent anti-spyware and anti-virus software. Use these to regularly scan your laptop or your PC so you can protect your system from viruses and hackers. A healthy computer system free of viruses will make your online shopping more convenient and secure.
Credit Card or Debit Card?
A debit card is more vulnerable than a credit card. Credit cards have more protection because credit card thieves don’t steal directly from your pocket. With debit card fraud however, any money stolen comes directly from your own account
What is a secure page?
There should be a lock symbol in the lower right corner of the address bar and the URL should start with https://. Such features verify that the website is indeed a legitimate one and uses some form of secure payment protection software.