·
Despite
these many concerns, some now argue that it is actually safer to buy online
than buying over the phone or handing your credit card over to someone in a
shop. This is because if the online payment is handled properly your banking
details will be "encrypted", which means they cannot be viewed by
anyone other than those handling the transaction - usually the banks.
·
If
you're still unsure, Card Watch, the UK banking group that works with the
police and retailers to stop credit card fraud, offer the following "top
ten tips" when buying online:
·
Make
sure your web-browser (that's the software that you use to view websites, most
commonly Internet Explorer or Netscape) is set to the highest level of security
notification and monitoring. These options are not always automatically
activated when your computer is set-up, so check your manual or the
"Help" option.
·
Check
you are using a recent version of your web-browser as they often include better
security features - up-to-date versions can be downloaded free from the
Microsoft or Netscape websites. If you have a different browser or use on-line
services such as AOL or CompuServe, contact your ISP (Internet Service
Provider) or software supplier to find out how to activate their security features.
·
Before
purchasing from a website, make a record of the retailer's contact details,
including a street address and landline phone number. If these details are not
available on the website, consider going elsewhere to buy, do not rely on the
e-mail address alone.
·
Do
not enter personal details unless the security icon is displayed (this is a
small padlock that normally appears at the bottom of your browser when you
begin your transaction over the Internet). You can click on the padlock to see
if the retailer has an encryption certificate. This should explain the type and
extent of security and encryption it uses. Only use companies that have an
encryption certificate and use secure transaction technology. The address of
the page where you enter personal details should also start https://.
·
If
you have any queries or concerns, telephone the company before giving them your
card details to reassure yourself that it is legitimate.
·
Print
out your order and consider keeping copies of the retailer's terms and conditions
and returns policy. Be aware that there may well be additional charges such as
postage and VAT. When buying from overseas always err on the side of caution
and remember that it may be difficult to seek redress if problems arise.
·
Check
statements from your bank or card issuer carefully as soon as you receive them.
Raise any discrepancies with the retailer concerned in the first instance. If
you find any transaction on your statement that you are certain you did not
make, contact your card issuer immediately.
·
Ensure
that you are fully aware of any payment commitments you are entering into,
including whether you are instructing a single payment or a series of payments.
·
Never
disclose your card's PIN number to anyone, including people claiming to be from
your bank or the police, and never write it down or send it over the Internet.
· If you have any doubts about using your card, find an
