E-commerce offers consumers the convenience of shopping around the clock, the ability to compare prices and the ability to get more discounts. However, be careful not to fall into blows! Check out some tips for making a secure online credit card purchase.
How to know if the site is safe?
Is the brand known? Do you have friends who have already bought products from her, even in physical stores? Large brands already established in the market are very safe. However, a common scam is for a site to impersonate a well-known brand, adopting a similar name and logo , to inspire confidence in the buyer.
To avoid this type of fraud, make sure there is a closed lock icon next to the URL in the browser, as in the image below.
How to enter credit card details correctly?
The required data are: your name (as written on the card), credit card number, security code (those three digits on the back) and expiration date.
Never pass personal contact credit card details to third parties via chat. Only fill in when there are dedicated boxes on the site itself. Warning: No website will ask you for passwords to make a purchase!
If someone has my data, can they shop on the internet?
Yes. If your card is lost or stolen, or even if you give it to someone else, they can impersonate you and make purchases over the Internet, as the password is not required. In such cases, cancel your card immediately.
When a transaction is suspicious (a very high value, different from what you usually do), the bank blocks it and / or notifies the holder. But it’s worth checking if your bank has any other security options for credit card transactions. Some notify via mobile when a purchase is made, use a token or even make a virtual card available.
Some websites use these systems to protect your bank details, which is beneficial for both the buyer and the store.
Tips for buying over the internet
- Trusted sites have a clear presentation and set out (even in small print) the terms and conditions of payment.
- Promotions do exist and should be taken advantage of, but be wary of ads that promise what they can’t deliver, such as miracle weight loss products and offers that seem too good to be true.
- Read the payment terms. Even trusted sites charge fees that are not explicit. Stores may include a convenience fee or charge shipping, and airline ticket sales websites may hide in small print the total ticket price plus taxes and fees. Following the same logic, when making an online hotel reservation, read the conditions to know if you will be charged in advance, if there is a cancellation fee, among others.
- Document everything: Every serious site will issue a voucher, purchase protocol, or even email confirming the transaction. Keep them as a guarantee in case something goes wrong.
And you, have you ever gotten caught in some credit card shopping online? Tell us and see more tips on the blog!