1. Always place orders from a secure connection
If your computer isn’t protected from potentially malicious software,
your financial information and passwords are at risk from being stolen
(and everything else you store on your computer or do online). se a
secure connection – make sure your computer’s firewall is on.
If you’re shopping online while using a wireless network, it needs to be
encrypted so someone who is lurking outside the house can’t collect
your information. Avoid making any financial transactions when using a
public network, as you may not know if it’s compromised.
2. Avoid offers that seem “too good to be true”
Any e-store that promises too much at too low a price is suspicious. If the price is too low, consider whether the merchant came by the items legally, if you will ever receive the items you paid for, whether the items are actually the brand shown or a cheap substitute, if the item will work, if you will be able to return damaged goods – or if the merchant is earning extra income by selling your financial information. Disreputable online stores – like their brick and mortar counterparts, may run an absurdly low price offer and then claim the item is out of stock, to try to sell you something else in a classic “bait and switch” scam.
3. Need to create a password for the site? – make it unique.
You will often be asked to create an account with a password when you make a purchase. Usually, you can choose not to do this, and unless you will use the e-store frequently, don’t create an account. If you do want an account, make sure to use a unique and strong password.
4. Is the site secure?
Before entering any personal or credit card info onto a shopping site look to see if the web address on the page begins with “https:”, not “http:” That little ’s’ tells you the website is secure and encrypted to protect your information.
5. Use a Credit Card or PayPal
Do not use a debit card. Credit card purchases limit your liability to no more than $50 of unauthorized charges if your financial information is stolen, and the money in your bank account is untouched. Most debit cards do not offer this protection – and even when they do, you’re the one out of funds in the meantime.
Consider designating one credit card that is only for online shopping and transactions. This way, if the card gets compromised, you can quickly shut it down without impacting any other type of transactions.
Let the online shopping begin…
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