Jayhawk Advisors shares how to keep your credit card information safe when online shopping
It has become exponentially more difficult in recent years to protect credit card information while purchasing items online. While technology has made our lives far better in recent memory, those attempting to steal credit card information have benefited from the increased technology. Furthermore, far more people are buying a large volume of their overall purchases through the internet these days. This means that each person is making far more transactions online, which means there is a much greater chance someone is going to be able to steal your information. While this may seem like an unfortunate reality, there are some things you can do that will minimize your exposure, lowering the likelihood that you become a victim to credit card information theft while shopping online.
Using your credit card is going to be far better than your debit card when buying items online. The reason for this is the fact that credit cards tend to come with much greater protection, which means you will be covered if your information is stolen. A lot of credit cards come with zero liability, which means you are not going to be on the hook if you get your information stolen. If you happen to use a debit card, you are likely not going to have this level of protection. If someone gets your information and makes a bunch of purchases, there is a good chance you will lose all of the money that was taken by the thief. If you want to avoid this risk and protect yourself while purchasing items online, make sure you use a credit card for every transaction.
Make Purchases from Home
If you are going to be shopping online, you should only be making purchases on your own devices. This means you should only be using your credit card information in the purchase of products online if you are on your own computer or smartphone. Login information tends to be saved on a variety of different devices, which can be a big problem if you buy something on a device that is not yours. While a friend is unlikely to steal your information, they will have the ability to do so if you leave your information logged in on your system. However, if you buy something on a public computer and the next person that logs in has your information, you may be in for some big trouble. To avoid this from happening, make sure you keep your online purchases to your own devices.
Never Provide Social Security Number
There are some online retailers that are going to ask you for your social security number while making a purchase. This is a huge red flag and is something that should make you run in the other direction. There is no scenario where an online retailer needs your social security number, so never give this information out while making online purchases. If the retailer is asking for your social security number, there is a decent chance the retailer is engaged in nefarious behavior. The shop may simply be set up in the first place to get people to provide this type of sensitive information, preying on unsuspecting people who are simply trying to buy something online. It is simply not worth the risk, so make sure you never provide this number when dealing with online retailers.
Utilize Software Protection
If you are shopping online from your own devices, there is a good chance your information is going to be saved in various places. If someone hacks into your computer, they may easily be able to grab this information. A virus can easily hit your computer, making your information vulnerable to attack. You can avoid this potential disaster by keeping your anti-virus software up to date and active. If you fail to do so, your information may be at risk, so make sure you have anti-virus software loaded on your device.
Use Good Instinct and Judgment
If you are trying to buy something online and you get a shady vibe from a website, it is generally a good idea to trust your intuition. If you feel like something is off, there is a good chance you may be dealing with a site that is compromised in one way or another. A site may be trying to steal your information, or they may simply have holes in their security that allow other people to access your private data. Both of these scenarios can be potentially disastrous to anyone that has used one of these websites to make a purchase, so make sure you follow your gut. Furthermore, there are far too many sites on the internet that sell the same products, so chances are very good that you will be able to find a similar product on another site. Don’t take the risk of making a purchase if something feels off about a website.
Hire a Professional
If you want to make sure your information is protected at all times, you might want to talk to a professional to assess your situation. Companies can let you know if there are holes in your security, providing advice pertaining to where you may be vulnerable to attacks. It is far better to plan for this type of scenario beforehand, rather than simply trying to recoup your money once your credit card information has been stolen. You may also want to consider hiring a company such as Jayhawk Advisors, who can provide you assistance with lowering your credit card debt. Jayhawk Advisors can provide you with a single payment each month, lowering the overall burden and stress that comes with credit card debt. While shopping online is great, there are far too many people out there that wind up spending way too much, landing themselves in a heap of credit card debt. If your bills are mounting and you are looking for a way to get your debt back under control, contacting a company such as Jayhawk Advisors is going to be a great option.