Online purchasing has become a huge way to buy things and most people who buy something online will use their credit card to compete the purchase. While most of the sites online have great levels of safety in place, there are always risks when providing any site with complete credit card details. This is a concern for many people, but with a few tips, one can learn how they can keep their credit card information safe and secure while still using it for an online purchase.
Data breaches are the main way for thieves to get credit card information, but they can also pull the information right from the browser using a virus. Most browsers will store usernames and passwords, so it is easy to retrieve the information once in the system. To keep credit cards safe online, use a third party password manager. Also make sure that the passwords that are being used are string and cannot easily be broken. It is suggested to change passwords often to avoid the chances of accounts being hacked.
Phishing scams are used on a regular basis to try to gather credit card information. These are fake emails that will be deigned to trick users into giving their card information. They can look like special offers or even emails from banks and other institutions. Clicking on unknown links can also take people to sites where credit card information is asked for. This is often a virus that is used to steal information, so be aware of these scams and never provide credit card information to an unknown site.
Even when people think they are being safe, there is always a chance of a breach or another way that information has been stolen. When using a credit card online, check the account statement often to look for any unauthorised purchases. If any show up, one can call their bank or credit card company to dispute the change and they can also request a new card to be issued so the numbers are different. Many thieves will test a credit card with a few small purchases. If these go unnoticed, the huge purchases will be made, leaving the credit card owner with the debt. It will also be beneficial to keep an eye on credit reports as these can tell when someone has been opening up credit card accounts that may not have been authorised.