subject: How To Protect Your Credit Card Information Online [print this page] How To Protect Your Credit Card Information Online
Internet criminals are a real threat to the safety of your credit card information when shopping online. Before you disclose your credit card information to any online merchant, check whether the website is secure. If you shop mostly over the Internet, choose sites that display a secure padlock icon. This icon verifies that your credit details, making it safe to shop online.
Verified by Visa gives an additional degree of protection when you shop online. You have a password that is known to you only. If you opt for the service, you can shop at any online store participating in the program. An authentication page will appear before checkout, and you will be required to enter your password. You can activate the service at participating online stores or at Visa International.
Similar to Verified by Visa, MasterCard offers a unique secret code or the MasterCard SecureCode. This code gives an additional protection against online fraud. Except for your bank, you are the only person who knows this code. When you are shopping online, look for stores that participate in the Verified by Visa program. You will have to enter your code as to prove card ownership.
The Discover Card service differs from what MasterCard and Visa offer. When you make purchases, your credit card number will be encrypted so that you don't have to reveal your card details.
It is a good idea to take additional safety measures. When you shop over the Internet, look at the privacy policy of the merchant. Look at the information they store and how it can be used. Find out whether they share this information with partnering organizations and if they have a policy that is explicitly against selling information.
In addition, look at whether they have an email address and a customer service phone number. Take note of their working hours and if they work on holidays and weekends. You should be able to resolve disputes as they arise. Check if they are required to respond to customers' requests within a specified time frame.
Avoid shopping at websites with an http connection. Websites that start with https://, encrypt the information that is being exchanged.
If you use more two or more credit card, choose one for making online purchases. This will simplify the tracking of transactions. You can use your debit card for making purchases, but credit cards offer much better protection against unauthorized use. Check the credit limit on your card as well. It is better to use a card with a low limit if you have safety concerns.
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