Tips for Shopping Safely OnlineShopping Online

March 7th, 2018 Comments Off

Craigslist Dangers That Everyone Should Avoid

Some card issuers will give you a onetime use virtual card number that you can use for a single transaction if you are concerned about the security of a particular merchant.

Some card issuers might even waive the liability fee or pay it for you.

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Other peoples experiences with the merchant that you are considering are often an excellent gauge of what to expect when you order.

Consider opening a separate account for buying online so your online purchases dont get lost in the sea of Starbucks coffee transactions in your online banking ledger. Also, look into virtual credit cards if your card issuer offers this service.

Read the fine print and watch out for hidden restocking fees, crazy high shipping charges, and other added fees. Beware of coupon clubs that the seller might try to get you to sign up for during your purchase. These clubs may save you a few dollars, but often they involve monthly billing for the privilege of joining.

Scammers can often use a tactic called croite scripting to craft a hyperlink that appears to be the actual merchant site but actually relays your credit card information to the scammer when you put your payment information into the payment web form. Unless you can verify that a coupon came from the actual vendors site to which you have already subscribed, its best to avoid random coupons with unknown origins.

According to the American Bar Associations , it is best to use a credit card when paying online because federal law protects credit card users from fraud and limits inidual liability to .

If your seller is in a foreign country, returns and exchanges may be difficult or impossible.

Whether youre shopping the holiday sales, or just looking to avoid the craziness at the mall, shopping safely online can be a challenge, especially if you stray from the larger etailers to get a better deal from a lesser known site. Here are tips to help you gain some peace of mind while shopping online.

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Review other users comments and check out the sellers rating on sites likeGoogle Shopping. Low star ratings may provide a red flag that cautions you to find a more repule seller.

If the merchant only has a P.O. box listed, then that may be a red flag. If his address is in a van down by the river, you may consider shopping elsewhere.

Vendors should never ask you for your social security number unless you are applying for instore financing or something to that effect. If they are trying to require you to enter a social security number just to order a product, then they are most likely scammers. Run away st. While your birthday may seem like an innocent enough piece of data to give out, its just one more of the three to four data elements needed by a scammer to steal your identity.

. If you are ordering from a shared computer i.e. the library, computer lab, or a work PC, log out of the shopping site and clear thebrowser history, cookies, and cache.

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This seems like a nobrainer, but if youre using a shared machine, always log out of the store website and clear yourbrowsers cache, cookies, and history when you are finished ordering something, or the next guy who sits down at the PC you were using might just have himself a little shopping spree on your dime.

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Be smart, be safe, and know that there are groups such as theInternet Crime Complaint Centerthat can help you if you think youve been outright scammed. Check out our other resources below on how to shop smart.

When using the online checkout process of a seller, always make sure that theweb addresshas s instead of . Https ensures that you are using an encrypted communications path to transmit your credit card information to the seller. This helps to ensure against eavesdropping on your transaction.

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The Better Business Bureaus of the United States and Canada are excellent resources to find out specific information about merchants, including whether or not they have any complaints against them related to delivery, product issues, or refund or exchange problems. You can also obtain their business addresses and corporate contact information, which might allow you to circumvent the frontline call center circus of endless automated prompts i.e. Press to speak to a semilive person.

While we might not think about it, some sellers resell our personal information, buying preferences, and other data to market research companies, telemarketers, and spammers. Read carefully and always make sure that you are optingout and not optingin when asked whether you want to have your information shared with rd parties unless you like a lot of spam in your email. You may also want to obtain a separate email account to use while shopping online to avoid clogging up your personal email box with the barrage of sale ads and other junk mail that is frequently sent out.

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