The convenience of online shopping has made it easier than ever to find what you need, but it’s essential to shop smart and stay safe. Here are some tips from Old Hickory Credit Union to help you protect yourself while shopping online.
Spotting Legitimate Retailers vs. Fake Retailers
One of the first things to check when shopping online is the website’s legitimacy. Look for secure connections; a legitimate retailer’s website will have “https://” in the URL, and you’ll see a padlock icon in the address bar. Be wary of websites with spelling errors, poor design, or deals that seem too good to be true—these are often signs of fake retailers.
Read Site Reviews Before You Buy
Before making a purchase, check the reviews of both the product and the website. Trustworthy retailers will have a significant amount of positive feedback from past customers. If a site has little to no reviews, or if you see numerous complaints about not receiving orders or poor service, consider shopping elsewhere. Websites like Trustpilot and the Better Business Bureau can also help verify the retailer’s credibility.
Debit Card Safety Practices
When using your debit card for online shopping, it’s crucial to follow a few safety practices:
- Monitor your accounts: Regularly check your account activity to catch any unauthorized charges.
- Use secure websites: Always shop on sites you trust, and make sure your connection is secure by checking for “https://.”
- Consider a separate card for online purchases: Using a separate debit card just for online shopping can help limit exposure if your card details are compromised.
Enable Extra Security Features
Many debit cards and credit cards offer extra security features, like two-factor authentication or alerts for suspicious transactions. Take advantage of these features to keep your information secure.
Online shopping can be safe and convenient if you take the right precautions. Follow these tips to ensure your holiday shopping season is as stress-free and secure as possible. For more financial tips and resources, visit OHCU.org.
Stay safe and happy shopping!