Keep Your Credit Card Transactions Safe With These 5 Tips
Online shopping is convenient, with a few clicks and you can order anything from anywhere. However, it is important that you follow the best online credit card usage practices; otherwise you may unknowingly hand over your personal information to online criminals.
Keep the following tips in mind when you shop online next time.
- Don’t transact if there’s no extra ‘s’
On the page where you enter your information, check the address box for an extra ‘s’. That is, the text before the URL must read ‘https’, not ‘http’. If it is ‘https’, it means that the site transmits information in an encrypted form. However, this alone, doesn’t guarantee safety, but it does provide an extra layer of security.
- Don’t shop in public
You shouldn’t conduct online transactions in public places. If you forget to log out, the next person may access or use your personal information as websites often save user login information.
However, this doesn’t mean that online buying using a public computer is safe if you always log off after using it. What if the computer has a key logger software tool installed on it? The hacker can then access your personal and financial information. Even if you use your own laptop, you are not safe while using a public network because others can read your information. You should always shop online using your laptop and a private WIFI.
- Keep your protective software up-to-date
Not installing an antivirus tool is a big mistake. You then become extremely vulnerable to malware attacks. Hackers can easily enter your computer and steal important data. So ensure you are running a reliable, advanced protective tool. Equally importantly, regularly update your protective software. If you don’t do this, your pc will not be protected from the latest malware. Additionally, install Windows update regularly. While all this may appear daunting to someone who is not tech-savvy, there is nothing to worry about. All latest operating system and protective software by default are configured to automatically download latest updates.
- Use a strong password
‘12345’ is not a strong password, nor is password@123. These are very generic password and not difficult at all to hack. Ensure that you use a strong password, a combination of alphabets, numerical, and special characters. Avoid using your name, birth data, and other information that is common knowledge. Needless to say, don’t share your password, don’t write them somewhere where others can see it, don’t save them on the desktop, and don’t store them on the cloud.
- Listen to your instinct
If a site looks dubious, don’t transact on it, even when you don’t know explicitly why you feel so. Your protective software may from time to time throw up a message that will read something like this, “The site you are visiting contains malware”. Get off such a website immediately and do not ever enter your personal and financial information there.