For that perfect gift, many of us will turn to the internet and our credit card for shopping at Christmas
And who can blame us, rather than taking a freezing stroll down the high street, web shopping is easy - and warm!
But before you tap your card details into your PC, think about how safe this is. A great looking website does not always mean a great deal. Anyone can set up a website so be careful when you shop online, especially if youre new to it.
Hillsborough County Government Online - Consumer Protection - Internet::
href=http://www.hillsboroughcounty.org/consumerprotection/internet/internetauctions.cfm class=l onmousedown=return clk(this.href,,,res,85,)>Hillsborough County Government Online - Consumer Protection - InternetIf something goes wrong with the transaction, you most likely will lose your . If it's an online payment service, find out who pays for credit card
http://www.hillsboroughcounty.org/consumerprotection/internet/internetauctions.cfmHOME |
Safe sites have padlocks
Online nasties prey on first time users so think before you buy. Try to use companies you have heard of or which a friend can vouch for. The likes of Amazon and big online high street chains are a safe bet. Look at websites which have a secure way of paying.
A safe website should have a padlock key at the bottom of the screen which you can see when youre filling in your personal info. A padlock means the page is secure and youre safe to give them your details. If this is not there then you may want to ditch that site.
Safety Guide 2005::
font size=-2>[PDF] Safety Guide 2005File Format: PDF/Adobe Acrobat - View as HTMLNot being reimbursed if something goes wrong (44%) Shopping. safely online. 8. Do not let your credit card out of sight after
http://www.ocba.sa.gov.au/assets/files/EcommGuide_2005.pdfHOME |
Privacy pages bare all
Also check if the company has a privacy page. This tells you what it will do with your personal information. Dont be left wondering. Take care with the information you give and ask yourself if its really necessary.
You should also be told what the site will do with the information. Check the small print for this and save all the information that you are given. You should always also get a confirmation of your order so keep this safe as it is proof of your purchase.
Distance Selling Protection
Online shopping is getting bigger and more sophisticated so you need to be able to keep track of what you buy. Distance selling just means buying anything via the net, phone, mail order or TV. It is protected by a special law and all companies should follow it. This law makes sure you get a cooling off period, an order confirmation and clear information on your purchase. Its also worth checking if the company is part of TrustUK. This means it has signed up to certain standards it must follow.
Credit Card Protection
Using your credit card is the safest way to buy online. If you have a claim against the seller, (i.e. the goods have not arrived or were faulty) you also have a claim against your credit card company. This is because you are likely to have online protection through your card provider, which gives you a better chance at getting your cash back. Switch and Delta cards do not normally offer this level of protection.
With your credit card youll be covered if you spend out more than
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Credit Card Shopping Online. How To Stay Safe And What To Do If It All Goes Wrong