Safe Online Shopping Tips
Nowadays, online shopping has become a common practice due to its obvious and undeniable advantages. Although online security is becoming more and more efficient, unfortunate experiences can still occur and that's why it's important to learn to protect ourselves much as possible. To ensure that we don't fall prey to the cleverly designed scams that are omnipresent nowadays we only need to take a few precautionary measures.
Convenience, lower prices, research capabilities, time saving and lower prices are just a few reasons why people choose online shopping transactions. However, online shopping also has its risks, the most serious one being identity theft. Other risks refer to fraud, shifty retailers and spammers. The risks are especially high during holiday seas on when scam attempts multiply tremendously. When shopping online a little caution can go a long way. To ensure that online shopping remains a pleasurable experience you should make sure you follow some basic online safety principles.
Secure your PC: Keeping your computer secure and updated can definitely help minimize risks. A firewall, separate anti-phishing software or a powerful anti-virus with anti-phishing and anti spamming features is a must when making internet transactions to prevent identity theft is a must. Also make sure that your system has the latest security updates installed before making an internet transaction. If possible try not to shop online from a shared computer.
Choose a reputable merchandiser : Sometimes, when trying to find the best money-saving deal we might be tempted to to make transactions with merchandisers with questionable reputations. It is advisable to make transactions with well known reputable merchandisers.
Do a little research about the merchandisers you plan on purchasing goods from. Make sure you read the shipping and return policy before making any transaction. Also think about the total costs of an online transaction such as shipping costs, handling, sales takes. This can really add up to the cost of the product you're planning on purchasing.
Use credit cards when paying: Most merchandisers accept both debit and credit cards. By paying with credit card or charge charge you will benefit from protection from the Fair Credit Billing Act. Not only that but you will also have less problems with the financial institution if problem start to emerge later. This way in case of fraudulent transactions you will only be liable for the first $50 in charges. If you use a debit card your account could be overdrawn before you even notice the fraud. Look for an unbroken key or padlock to make sure that the information on your credit card information is delivered safely. Also many banks offer ''one time use accounts''. Consider using them for an added protection.
Keep the receipts: Print or keep the receipts on your computer to be able to track of shipping dates, additional fees and other valuable information about the transactions you made online. Make sure you read your credit card statements to spot any unauthorized changes. You should always listen to your instincts, especially when making online transactions. If you sense that something is wrong there's a good chance it really is. Remember when something seems to be too good to be true it probably is.
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