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Is it safe to use your credit card when shopping online? There are steps you can take before and after choosing to use your credit card online to reduce the risks of identity theft. This article will review the pros and cons of online shopping and how to resolve problems.
Identity fraud is the fastest growing crime in the United States. And, even though online companies try to make sure that their Web sites are secure, nothing is completely safe. Indeed, no matter what you do, there is no sure way to completely prevent identity fraud. However, there are some things you can do to reduce the chances that your identity will be stolen.
Before you make your purchase
Up until the point you put in personal information, like your credit card, you are relatively safe online. Before you make that purchase, though, there are some precautions you can take to ensure that you are protected while using your credit card for shopping over the Internet:
After you make your purchase
Practicing good safety for Internet credit card shopping is also important after the purchase has been made. Even though the purchase is complete, the danger is not over. It is important to make sure that you continue to protect yourself. Here are some of the steps you should follow after completing an online purchase:
Resolving problems with credit card purchases
Fortunately, if someone uses your credit card number to make a fraudulent purchase, you are only liable for $50. But you have to be vigilant and catch these problems. If the merchant hasn't delivered as promised, you can actually dispute the charge. The credit card company will refund you the money while you resolve the problem in some cases.
Remember to check your credit report regularly to keep tabs on your credit situation, and to guard your personal information as closely as possible. This way, you can limit your exposure to the risk of identity theft.
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