Let’s face it, there are tons of reason in the world to shop online. Online shopping allows us to shop from any retailer, at anytime, anywhere in the world. But there are always advantages and disadvantages in most things, specifically online shopping… One advantage of online shopping is, it is very convenient because where else can we shop at past midnight, and also, it saves our time where we don’t have to wait in line in busy time. On the other hand, disadvantage of online shopping is the “waiting game”. If you’re an impatient person, waiting for your order to be delivered can be a pain.
The list can go on and on for advantages and disadvantages of online shopping. Instead of thinking about the positive and negative side of online shopping, consider first the safety when you do online shopping. We provide you below 3 basic safety tips in online shopping...
1. Is the website safe for browsing?
There are fraudsters often create false and professional looking websites to lure in online shoppers like you. Check error/misspellings sites or sites that use different domain (for example .net instead of .com). Read reviews from past customer/s or contact their store to make sure you’re on the right site.
2. Do they use safe payment services?
Don’t EVER buy or pay anything using your credit card from a website that doesn’t have SSL (secure sockets layer) encryption installed. Typically, you will find it at the bottom of every website, or an icon of a locked padlock will appear in the status bar of your web browser, or you can also find it right next to the URL in the address bar.
Using secure services, like Paypal, are advisable. The advantage of using Paypal as they act as a middle man, where you send payment to them (i.e Paypal) and they send this onto the retailer. Your bank information will remain private and retailer will not have any access to your bank information.
3. Do you check your statements regularly?
It’s okay to trust secured websites or any secured payment services, but it’s not bad to check the statements from time to time especially when you’re using debit/credit card most of the time. Make sure you don’t see any fraudulent charges under your debit or credit card account.
If you do see something unusual in your payment history, call right away and address the unusual payment record that you have. It is better and safe to do this right away because bank/card issuer typically give 30 days for you to notify them, other than that, it will be your responsibility if you didn’t let them know right away and they won't be liable for that unusual payment.