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How to Safely Shop Online

We all love to shop online, don’t we? There is so much to buy and look through, while finding the best deals. The process is quick, very convenient for us, and less stressful than walking into a store with loads of people. But, there can be one drawback: payment fraud. Almost 80 million people were victims who were deceived by fraud in 2016. That is why you need to know how to safely shop online.

Password Protections

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When buying items online, understand that your login password information is very valuable to you and fraud thieves alike. Make sure you come up with passwords that are complex and don’t use the same password for every account you have. Also, don’t keep your passwords stored on your computer. As inconvenient as this may be, write your passwords on a piece of paper and store it in a drawer at your home; this may be the safest way to protect you and your family.

Privatize Your Network

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Protect your network by privatizing your Wi-Fi. Having a public network will allow easy access to hackers. Also, never buy items online when using a public network. Instead, wait until you can shop from a secure network, or have a family member or friend make the transaction for you on a privatized network. Even if your Wi-Fi network is protected, keep your screen away from windows because you never know how is watching.

Credit Is Better Than Debit

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Credit cards are better than debit cars when using them to shop online. The reasoning? Credit cards have more protection options than debit cards offer. For example, liability is less with a credit card when a corrupt transaction takes place. Also, if you use a payment app on your mobile device, you can add extra layers of protection with fingerprint passwords and ways to encrypt your data.

Be Aware Of What You Click

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Always be weary of what your click online when shopping. Criminals online like to use e-mails as a scheme to fool customers. These links install malware, which can allow the information on your computer to be compromised. Also, your computer may not run smoothly anymore. During the holidays are when cyber criminals do their best to get the most they can out of scamming tactics, so beware.

Check Your Bank Account Often

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Be on top of your bank account whenever you buy anything at all. This will keep you up-to-date on the purchases you have made, as well as give you heads-up on something you did not buy, so you can check with your bank. It is much better to catch a cyber criminal when they have only taken out $100 than when they have cleared out your whole bank account.

Knowing how to shop online safely is priority #1 when spending time on the Internet. Use some of these tips to protect you today. 

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