While credit or debit card fraud is not just something that happens when you shop online, the nature of hackers, viruses and spyware means there are added risks. Here are five tips for safe shopping:
Protect your computer
Make sure your firewall is switched on and your computer is protected from hackers by loading the most recent anti-virus and anti-spyware software onto your computer. Click on the link below for more information:
Anti-virus software: What you need to know
Be aware of phishing
Don't click on unknown email links which could be phishing emails. Always type web addresses into your browser to avoid going to hoax sites.
Avoid Wi-Fi hotspots
Don't use your credit card at Wi-Fi hotspots or on a public computer.
Security is lower on public internet connections and your bank details, passwords and personal details are more vulnerable to hackers than on your own personal connection. Click on the article below for more information:
How to use Wi-Fi hotspots securely
Shop at retailers/sites you trust
Shop at retailers you trust such as well-known high-street stores. There are also online directories such as www.safebuy.org.uk or www.shopsafe.co.uk which lists only the retailers that offer secure credit card transactions.
Make sure the credit card entry page is secure
Only enter your credit card information on secure websites. The URL should begin with https:// and there should be a lock in the right hand corner or top on Windows Vista. Double click on the padlock to see the site's security certificate.
Click on the link below for more details:
What is the difference between http and https?
Know your rights
Read the small print and make sure you're aware of the delivery/returns policy. Print order confirmations and your receipts and check the amounts when the bill comes through. Click here for more information on your online consumer rights.
For further security try and use a credit card rather than a debit card if you have one.
Credit cards offer more protection against fraudulent charges than a debit card and if money is stolen from your current account it could take days to get back while credit card thieves don't take anything from your pocket.