Shopping online is a big concern for anyone.  Whether you’re a seasoned veteran or it’s your first time using a credit card, it’s no wonder why many first time buyers online are hesitant and I don’t blame.  Here are some tips you can use when you’re shopping online to ensure that you stay safe.

Always use a credit card – not a debit card

The reason I say use a credit card is because you’re going to have a lot more luck getting your money back if something bad happens.  With a debit card, a hacker can literally drain your whole bank account if they wanted to.  Just remember that in the long run, you’re only responsible for the first $50 on your credit card if it does get stolen.

Know who you’re shopping with

Never shop with someone you don’t know.  If it looks like a good deal and you want to purchase from the merchant, look for reviews online, check with the BBB and make sure that the website is secured.  If the lock icon doesn’t appear on your browser bar, your data isn’t going to be encrypted and this is a huge security breach for you and your credit card.  Another service icon to check for is the TRUSTe icon that will ensure you that the website is legit.  Always click through on the website though to make sure that it’s legit.

Look for contact information

If you feel uneasy about your transaction, look for a phone number or some sort of contact information.  Scammers generally won’t give you contact information.  If you have any questions, call them up and ask.  If you get a live person on the other end willing to help, the company is most likely legit.

Keep your records when purchasing

When you make the purchase and if you do, make sure you print out the receipt and everything else for your own records.  This way, if something does happen, you’ll have all the evidence that a credit card company needs in order for you to get your money back if something bad does happen.  When you make a purchase, you will get a confirmation number and a receipt for your records, make sure you print these out.

Never send details outside the form

The only place you’ll ever want to send credit card information is on the secured form itself.  If they ask that they want it via e-mail or the phone, avoid this business immediately.  Any legit business will only want the information via the form on their business site.

In today’s era, shopping online is very safe.  As long as you shop with legit retailers, you’ll be fine.  Do your research on the company and make sure that you research your purchase before making it.  If you do this, you’ll be fine when shopping online.

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1. How To Prevent Identity Theft
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3. Cash Back for Shopping Online
4. How to Get Cash Back from Shopping
5. Credit Card Purchases Earn Cash Back Rewards