Shop Smart Online: 7 to Use Your Credit Card Safely

Have you ever been online shopping and all of a sudden a pop-up message blocks your whole screen with a message like, “A virus has been detected on your computer. Please click on the link to remove the virus from your computer,” or something of that nature?

Well, you're not alone. Millions of people every day are sent phishing emails or scam alerts, making online shopping one of the most prevalent places for your financial information to be compromised.

Here are 7 tips on how you can use your credit card safely for online shopping.

• Shop on trusted websites. Make sure to check the site has a lock to the left of the website URL.
• Avoid using public Wi-Fi, which is often unsecured and vulnerable to hackers.
• Update your passwords. Create a strong, unique password—don't reuse one from your important accounts.
• Be alert for phishing scams. Don't respond with personal information or click links in “fishy” emails. Turn on fraud alerts if your credit card company offers them.
• Monitor your accounts regularly. Log in and check for any suspicious or fraudulent activity, and report it to your provider immediately.
• Update anti-virus/computer software frequently to prevent malware attacks.
• Use a credit card designated for online purchases only—ideally one with your lowest credit line—to limit exposure if you accidentally purchase from an unsecured or scam site.

In conclusion, while online shopping can be an easy and convenient way to shop these days, you want to make sure you are aware of any potential risks you put your credit cards in. Some credit card companies, like TomoCredit, have a huge emphasis on credit card safety and send fraud alerts or allow you to lock your account from your phone yourself. This option allows users to be in control of the safety of their finances. Check with your credit card companies to see if they offer options like this for you!