Eid, Christmas, New Year & for all the other festive seasons we know you splurge loads of money online shopping. WHY WOULDN’T YOU? It’s an all in one shopping stop(from gadgets to clothes), mind boggling brands of collections(ranges of all seasons) & above all you can get access & purchase the entire world’s trend from several international websites too! Unbelievable bargains, Door step delivery, easy return & several other reasons we can list to shop online. But ask yourself first is it safe to use your card online? Do you really trust the websites you shop from? How much do you know in reality?
Sourced from We Live Security “for example, according to the collaborative study published by the OC&C Strategy Consultants, PayPal, and Google, the online retail markets in the US, UK, Germany and China will double to £645 billion by 2018. Needless to say, this has caught the attention of cybercriminals who are keen to exploit individuals benefitting from the convenience, affordability, and choice that makes the internet such a compelling place to be.”
Dont worry we have you covered feel safe & knock out all the shopping wishes/desires! Let’s start with the common sense basics and then we will take you through the geeky knowledge:
- Do not share your personal details: We aren’t talking about your name & address here – Duh any website would need this for their Database! This point basically focuses on fake calls requesting you for the Social Security Number.
- Check your bank statements often don’t wait for the month end WHY? Because your hacker best friend for sure would have bought a house & decorated it as well – all on your cost
- Always take a picture or screenshot for proof! Not of yourself but of your order Always!
- Keep updating your browser as they boost your overall security systems at least this step will take care of traditional aging hackers
STEP 1 – TRUST YOUR INSTINCT & GO FOR FAMILIAR/POPULAR BRANDS
Anyone in the world can create a website which sells items at cheap affordable prices however this doesn’t signify they are secure. Do your research thoroughly – First check for HTTPS:// in the specific browser bar. Proceed by checking security indicators like Security Seals or Trust Indicators. A simple example:- While physically shopping as well you opt for the mall with pleasant, trustworthy and people’s choice stores. Work similarly for online shopping don’t use shady/unfamiliar websites with over whelming positive reviews! Additionally, be very cautious of misspelled websites or domain use like .com & .net.
STEP 2 – EMAILS TURNED INTO BLACKMAILS
Whenever in doubt trash it out! Especially scams like free gifts, holiday tickets & social media forwards. You love your gadgets, don’t you? So, ensure to purchase antivirus software to save your Phones, PCS & tablets free from malware and infections. Beware of your friends as well not literally but on forwards, they tend not to check the source and directly open downloads. Run away from promises online which are suspicious by nature. If the items are priced too low definitely the products might be a fake substitute. Skepticism in all the above cases can go a long way from a stolen credit or debit card.
Disreputable online stores – like their brick and mortar counterparts, may run an absurdly low price offer and then, claim the item is out of stock, try to sell you something else in a classic “bait and switch” scam.
STEP 3 – DON’T GIVE THOSE HACKERS AN EASY PASS
We know changing passwords frequently is difficult to remember but if you really want to survive online it’s vital to update your website’s password every 36months. Best practice
- -keep it 12 characters minimum
- -include numbers, spaces, characters, capital & lower case letters
- -do not make the common mistake of using a dictionary word or a combo of it, go for complete non-matching characters
- – don’t substitute doesn’t make a difference for e.g.:- r0bert as Robert (“0” & “O”)
STEP 4– FREE WI-FI IS NOT ALWAYS GOOD WIFI
Miser by the day we often love spending time at malls, café shops & parks just to save our internet bills. Well, let us tell you this internet is most vulnerable to our dear cyber criminals as they can feed on information packets being aired while wirelessly connected.
In case you automatically connect to the
surrounding network? Immediately ensure to log out from all online accounts including the bank, shopping & other accounts.
STEP 5 – CREDIT OVER DEBIT
“Unlike debit cards, credit cards may have a limit on the monetary amount you will be responsible for paying if your information is stolen and used by someone else,” explains Stay Safe Online, a National Cyber Security Initiative.
Yes, credit cards are a blessing simply because
- One Time Use or Virtual credit card number which avoids exposing your
- real identity (account details)
- Credit card alerts spending limits always & is direct to the issue unlike debit cards
- Get rid of all fraudulent charges made to a credit card without being out-of-pocket the amount in dispute, but money withdrawn directly from your checking account by a debit card is much more difficult to recover.
- Although debit cards ensure you are using your own cash to make a purchase, many do not offer the same robust buyer protection as other options if something does go wrong.
A credit card, PayPal or a virtual wallet option give you more flexibility when it comes to requesting a chargeback. What is a chargeback? Well, when any transaction is reversed and a refund is given to you as the buyer. It can either be initiated by your bank on detection of fraudulent activity, or you can initiate a chargeback depending on the situation. Check with your bank for details.