Shopping online makes life easier for busy people. It also makes life easier for hackers to steal your credit card and other personal info.
Safer Online Shopping
NINE WAYS TO BE SAFER SHOPPING ONLINE
1. Never use free public Wi-Fi. It’s easy for hackers listen in on your connection and steal your information.
2. Never click on emails offering special deals or promos. It could be hackers phishing (fishing) for your account information. Instead, go directly to the retailer’s site and copy in the advertised code.
3. Use different email accounts and passwords when creating a new retail accounts. At worst, the successful hacker will only get into one of your accounts.
4. Use apps, not your phone’s web browser. When you’re out in public, apps for sites like Amazon are safer to use because they usually have an extra layer of security and encryption.
5. Don’t allow retail sites or web browsers to store your credit card information. If they haven’t stored it, it can’t be stolen from them.
6. Credit is safer than debit for two reasons: When things go wrong, it’s usually easier dealing with your credit card company than with your bank. Also, the money has not been deducted from your checking or savings account.
7. Read all bank and credit card statements, especially in January and February. If you see an unknown charge, no matter how small, call your bank and report it.
8. Use phone-based payments, like Android Pay and Apple Pay. Mobile payment technologies can’t be cloned like traditional magnetic stripe cards.
9. Keep your phone locked. Set your phone to require a PIN or fingerprint to access it.
A final word: Credit card companies are introducing new mice type information to their customer agreement contracts that can prevent you from suing them. It’s a statement saying that if there is a problem and either party asks for arbitration, the other party has to agree. So it’s more important than ever that you be careful where and with whom you do business.