Cyber Safe Monday – 10 Ways to Protect Yourself While Shopping Online December 1, 2014

Hello friends, now that your Thanksgiving meal has been digested, the crowds have dissipated from Black Friday and you supported small businesses on Saturday, it’s time to go online in search of more deals and bargains.  

Online shopping has increased dramatically over the years, but some things never change, and that is security and scams.  So this year before you click with a credit card, review these 10 tips from internetsecure.com to keep you cyber safe this season.

1. Look for the latest credit card password procedures, such as Verified by Visa. 

In the last year, each major credit card issuer has come up with a secure system online that involves use of a password known only to the credit card owner. This presents to you the highest form of online security possible when shopping, and so you should look for sites that support these new standards.

2. Check the return/refund, warranty, guarantee and other policies.
Take the time to ensure that you are dealing with a reputable, reliable merchant that will offer you the same shopping peace-of-mind that you would get elsewhere. If the online merchant doesn’t post sufficient information to provide you a degree of comfort about such policies, consider taking your business elsewhere.

3. Make sure that the checkout process is secure
Always make sure that you are using a site that provides full “encryption” over the credit card transaction, which helps to ensure that your credit card information can’t be accessed while it is in transit. You can determine this by looking for a small “padlock” at the bottom of your browser screen, or by a message indicating that you are entering a secure site.

4. Look for privacy and security policies
A company that is very conscious about security issues will most often post some information online for you to read. Take the time to look for the security and privacy policies that the online store might have posted and read them, since this will give you more comfort that you are shopping with a site that will carefully guard your credit card and personal information.

5. If concerned, do due diligence
If you are dealing with an online store, but are unsure whether they are reliable and credible, do a search for them on the Internet, to see if other consumers have expressed concern or have had positive or negative experiences.

6. Understand the “safe-shopping” policies established by the issuer of your credit card
Take the time to understand the guarantees that your card-issuer offers with respect to shopping online. You will likely find that even if you are subjected to an online fraud, you will not be liable for any loss greater than $50, which should put your mind to rest.

7. Shop around
Often what might seem to you to be a bargain might not be, once you factor in other costs, or if you don’t consider that there might be other online stores offering the same product or service at a lower cost. Take the time to look at alternatives.

8. Beware of hidden shipping, duty and other costs
Many of those who shop online are surprised by the hidden charges that were not well-documented on the site. Make sure you understand all the potential charges before committing to a purchase, and if something seems unclear — ask! Look for sites that clearly post such charges as part of the checkout process, or post the information elsewhere on their site.

9. Keep receipts and other documentation
Make sure you print out a copy of the receipt once you’ve finished the purchase. In addition, if the online store offers to send you a copy of the receipt by e-mail, take advantage of this option.

10. Order early!
The common complaint of every online Christmas shopper is that they ordered too late to ensure delivery of their goods by Christmas. Shop early — and shop often!

Stay Blessed ~ No Stress in 2014!