In most cases, the sales that take place online are safe. Though there are some people out there who want to take advantage of online shoppers, there are steps you can take to protect yourself from fraud and identity theft.
- Secure your account. Choose login credentials that are not used anywhere else on the Internet.
- Make sure to choose a password that is strong and not easily guessed. Use letters and numbers, as well as at least one special character.
- Keep personal information to a minimum on your profile. If sellers don’t need something to complete a transaction, don’t give it away.
- Make your user name as anonymous as you can. Avoid putting personal details in it such as your name or birthdate.
Now that your account is more secure, here are some general tips to keep you safe while you shop:
- Take some time to read reviews about the seller or buyer. If they are prone to bad behavior, it’ll likely show up in their reviews. Those who have been selling online for a while and get good feedback are usually more trustworthy.
- Ask for photos of the item, if the ones posted are not clear. Take a screen shot of the item so you have proof of how it was advertised in case it shows up in worse condition.
- Use a secure online payment service to make purchases. These are less risky than using payment cards.
If you use Family Trust Visa debit or credit cards, you have extra security with Visa’s Zero Liability Policy. This guarantees that you won’t be held responsible for unauthorized charges made with your account or account information. You’re protected if your Visa credit or debit card is lost, stolen or fraudulently used, online or offline.
There’s nothing like a little online retail therapy when the weather has you stuck indoors. Just be sure to take steps to keep you and your information safe.