Top Tips for Using Your Credit Card Online
More and more consumers in the UK are using the internet for shopping. Online shopping sites offer shoppers the ability to compare prices and buy everything from groceries to music from the comfort of their own home. However, with credit card fraud and ID theft on the rise in the UK, there are a few things you can do to ensure that your online transactions remain as secure as possible:
• VeriSign You should ensure that you only ever use secure sites that show the VeriSign symbol; this provides information on the vendor and shows that they are VeriSign SSL certified, which means that any information exchanged on the site is encrypted before transmission;
• URL high-jacking You should always check the URL of the site, especially the secure area where payment details are entered, and ensure that it is what you expect it to be, with no spelling discrepancies from the main site;
• Contact details Always check that the site provides the contact telephone number and address for the company;
• Personal Info Never divulge personal information such as your credit card details in emails in order to purchase items online. This can be viewed as negligence on your behalf, making you liable if the information is misused;
• Safe Sites In general, try to stick to well-known, reputable sites for shopping online;
• Phishing Never respond to emails that claim to be from your credit card provider asking for your credit card details, or for you to confirm personal information;
• Statements Always check your statements for online purchases to ensure that the correct amount was debited from your credit card account;
• Check the Returns Policy Before you buy check the returns policy to make sure there is a straightforward process for returning incorrect, unwanted or damaged goods.
• Use a 0% interest credit card for new purchases Avoid interest charges and get a credit card that offers zero interest on new purchases as an introductory offer. Once the introductory period ends, switch and take advantage of a new deal from a new credit card provider. Compare 0% interest credit cards now.
If you keep these points in minds you can shop safely and securely online, and kiss the high street goodbye! Compare the UK’s best credit card deals with the TotallyMoney online credit card comparison tool and find the best option to suit your budget and spending habits.
Please note: this website, and the articles and information within it are based on journalistic research. It does not and should not be construed to constitute financial advice. Any information should be considered in regard to specific circumstances. All tips are followed at your own risk and should be followed up with your own research. For more please refer to our terms and conditions of use.