credit card

The following ten-point checklist when shopping on the internet is recommended.

1. Only use recognized and established retailers.
2. Never disclose your PIN to anyone and never send it over the Internet.
3. Ensure that the locked padlock or unbroken key symbol is shown in the bottom right of your browser window before sending your card details. The beginning of the retailer’s internet address will change from ‘http’ to ‘https’ when a purchase is made using a secure connection.
4. Make sure your browser is set to the highest level of security notification and monitoring. The safety options are not always activated by default when you install your computer.
5. Use up to date versions of web browsers, old ones are less secure.
6. Ensure that the retailer has an encryption certificate. This should explain the type and extent of security and encryption it uses.
7. Check statements from your card issuer as soon as you receive them. Raise any discrepancies with the retailer concerned in the first instance. If you find a transaction on your statement that you did not make, contact your card issuer immediately.
8. Print out your order and keep copies of the retailer’s terms and conditions and returns policy. There may be additional charges such as local taxes and postage, particularly if you are purchasing from abroad.
9. Ensure you are fully aware of any payment commitments you are entering into, including whether you are instructing a single payment or a series of payments.
10. If you have any doubts about giving your card details, find another method of payment.