If you’re doing some gift purchases online this Christmas season here’s some tips to keep in mind to keep your shopping experience and personal info safe:
At checkout make sure the site is secure:
While adding items to your cart the site may not be secure but when you’re ready to enter your personal info and credit card # the site address should start with https://
Secondly you should also see a padlock in the bottom status bar of your browser.
The https and padlock indicate your transaction is being processed on a secure server.
Read the sites security and privacy policy. Some sites might still be processing from an https but not encrypt their data (encryption is a security measure that scrambles data as it goes over the Internet).
Every reputable e-commerce site will tell you how it processes your order.
If you don’t see either the https or the padlock or the site doesn’t encrypt their data don’t give them your personal info and shop elsewhere!
Use a credit card vs. a debit card or use a temporary/onetime use number:
With a credit card if your card gets compromised you’re only liable for only a certain amount as determined by your credit card agreement.
You can dispute charges on a credit card.
Not so with a debit card. And you are liable for any unauthorized charges to the debit card.
Consider getting a temporary or virtual credit card number. For example Bank of America has a service called ShopSafe that generates an expiring credit card number that can be used with one online merchant.
Or purchase a Visa/MasterCard/American Express gift card and use it for the online buys. The gift cards enjoy the same protection service that credit cards do.
Know the online store:
Check for seals of approval on sites such as the Better Business Bureau.
If your shopping at a site you haven’t ordered from before check the BBB first and see if there have been a number of complaints registered against that business.
Consider only shopping from sites you’ve ordered from before and/or at major retailers.
How secure is the system you’re making the transaction from?
Are you using a trusted computer?
Does this computer get regular program updates including the browser?
Is antivirus installed and updated?
If your shopping from great Aunt Hortense’s computer that is running Windows 95, 98 or ME stop shopping and wait to get to a computer running Windows XP, Vista or 7.
For more in-depth tips for safe online shopping visit Privacy Rights Clearinghouse .
Lastly if you just don’t trust online shopping follow today’s daily calendar advice of You might be a Redneck if …The only plastic in your wallet is the wallet itself
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