As the number of online shoppers in India is rising with the steady growth in the online retail sector in the region, more and more people are putting themselves at risk of online frauds and scams that may cause them financial and proprietary loss. Since the online shopping trend in India is relatively new, many local shoppers are unaware of the hazards that may be involved when purchasing goods from an unsecure site, and with the act of providing your personal and bank account details over the internet. In this article, we discuss some noteworthy online shopping tips that can help you keep secure over the world-wide web while also giving you the best value for your money in online purchases.
Always keep strong passwords for all your accounts over the internet – whether they be financial accounts or other simple email and networking accounts. Passwords can be the best security defenses we have, but if they’re not created properly, a hacker can easily guess them. For any online shopping accounts you have, be sure to create good passwords.
Before proceeding with any online transactions, keep yourself safe from any suspicious attacks from hackers and other types of malware and malicious, virus software by optimizing your PC’s security settings. This may sound obvious, but many people ignore the advice to install anti-malware software. It is critical that online shoppers secure their PC from viruses and other attacks. In order to ensure that your security program’s protection stays current, keep its virus and malware signatures up-to-date, and also keep the software enabled when you are shopping online.
If you are in possession of both a credit card and a debit card of your bank accounts, then you should go ahead with making the online purchase with your credit card. Credit cards have spending limits, while debit cards—which are directly linked to your bank account—do not. Also consider using a credit card with a low credit limit specifically for your online purchases. You can dispute fraudulent charges made to a credit card without being out-of-pocket the amount in dispute, but money withdrawn directly from your checking account by a debit card is much more difficult to recover.
It is recommended that you use only one credit card for online shopping since it is another great way to head off potential online shopping headaches. When you place the information of only one credit card number over an online transaction on the internet, the potential for fraud is limited to that one account. If a hacker does come by your account information, you will have only that credit card company to deal with.
Online retail and department stores have greatly eased the process of ‘bargain hunting’. Prior to shopping via the internet, if someone wanted to find the lowest price for an item, it meant perusing catalogs and circulars, traveling from store to store or hitting the yellow pages for a calling spree. However, this has all changed. You can now browse through your favourite list of online retail webites and check out any discount offers available to get hooked up with the latest online bargains.