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I'm all about 'warnings' this week!
IP: 24.17.96.101
Posted on 10/17/2015 at 12:30:08 PM by Terri

There’s a good chance that you recently received a new credit or debit card in the mail with an interesting little chip embedding into the card

Though chip technology may reduce fraud on in-store purchases, it does not change the way your card functions online, by phone or by form (any time the card is not physically present or inserted into the chip reader). Here are some reminders for safe practices when online shopping:

Avoid public Wi-Fi networks. Be cautious making purchases from a public computer or Wi-Fi network like a library, airport or coffee shop. If you are making transactions on public Wi-Fi, only do it through encrypted sites, always log out after the transaction and don’t use the same password across different websites.

Look for https. That little “s” after “http” is a good indicator that the site is probably a safe place to enter your credit card. Make sure you see https on every page you visit, not just the welcome page and especially on the page where you enter financial information.

Think twice before shopping on an app. It can be difficult to determine an app’s security because they don’t carry the visual “https” indicator. According to the FTC, researchers have found that many mobile apps don’t encrypt information properly. When in doubt, go to the company’s mobile website (and look for https) rather than shopping through their app.

Don’t store card information. If a site asks you to store credit card information, don’t to it, even on a personal computer or your phone. If you do store information, be sure to log out of accounts. If you have credit card information stored on accounts in your phone, you may want to change the settings on your mobile device so it doesn’t automatically connect to nearby Wi-Fi.

Don’t email credit card information. Email is not a secure way to send your credit card information over the Internet. It should be transmitted via a secure website (https). Of course, security is not ensured just because a site has you fill out a form and appears to have a legitimate URL. The key here is to be suspicious of any company that requests you email credit card information.

Go with the credit card. Credit cards offer more protection than your debit card. Use them for online transactions, especially if it is a site you are not overly familiar with.

Monitor activity. No matter what new fraud prevention technology comes our way, you should always do you due diligence. Check credit card activity regularly, review statements line-by-line, and check your credit report annually for any errors or suspicious activity.


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