Shopping on the Internet has become a multi-million dollar business. Most Internet sales are safe, but as Internet purchases increase, so do incidents of online credit card fraud. There are, however, several steps you can take to reduce the likelihood of becoming a victim.
- Deal only with reputable companies. Make sure the website you access has a physical address and a phone number you can call for additional information.
- Remember you are covered by the Fair Credit Billing Act when using a credit card online. The Fair Credit Billing Act protects you in certain cases of billing errors and fraud. See Your Legal Rights for more details.
- Shop at sites that offer secure ordering. Most major Internet shopping sites take security precautions. While on the checkout page of a shopping site, see if the site uses a secure server before you give out your credit card information. If the URL (web address) starts with "https://" then the site is using a secure server.
- Always pay by credit card to protect against unauthorized purchases.
- Get a credit card that offers security technology like disposable credit card numbers to ensure your actual personal credit card information never crosses the Internet.