How To

Find Out How To Protect Your Credit Card Online

Keep your credit card details away from prying eyes and avoid fraudulent transactions with these tips for shopping online.

It pays to protect yourself when shopping online to avoid getting more than you bargained for.

With high-profile data breaches potentially affecting millions of people, here are some card-specific tips to keep in mind when virtually swiping your plastic.

THE BASICS

  • Use a credit card. Debit cards often don’t have the same level of fraud prevention and protection
  • Only enter details on secure sites. Look for an https connection and valid security certificates
  • Don’t send credit card details over email or social media
  • Keep your antivirus software and browsers up to date
  • Avoid clicking through on deal links from emails as it may be a phishing attempt

Many credit cards will have an additional layer of security that might not be enabled by default.MasterCard’s SecureCode is a one-time code you enter every time you make a transaction on a supported site.

Verified by Visa also requires a passcode to authorize a purchase. On top of these safeguards, some banks also have their own verification system in place that works in place of SecureCode and Verified by Visa. This may include the bank sending a one-time PIN or security code to your phone as a second layer of authorization. Check with your bank or financial institution to see if one of these options is available.

Both Mastercard and Visa offer Zero Liability protection against fraudulent transactions for both online and offline use.

Consider a separate card for online transactions

For those who want to keep online purchases completely separate from everyday credit card transactions, prepaid cards are one option.

Watch statements for any unusual transactions

While many banks have sophisticated 24/7 monitoring systems designed to detect fraud and unauthorized credit card use, it’s important to keep an eye on your financial statements. If you spot anything suspicious, call your bank immediately.

Check your browser settings

Turn off your browser’s autocomplete settings to avoid it storing your credit card number or personal information.

Make sure to use a separate password for every account you make with an online retailer. A password manager is the easiest way to generate and store unique passwords across sites.

It might sound obvious, but don’t type your details out in public view where people can see your screen. Also, avoid connecting to public WIFI networks if you’re shopping on a mobile device and use your cellular data instead.

 

Be on the lookout for fake apps

Not every app is legitimate, especially when it comes to retail apps. Double-check before downloading to make sure it’s from the real merchant. A lack of reviews on the app store, typos in the description, or the app itself could be red flags. Apps that ask for you to grant excessive permissions, paid apps, or those that ask for your credit card details immediately are also warning signs.

Thank you for reading this article, hoping that from today we are going to protect our online credit cards.

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