Do you want to improve security when shopping online? We reveal some tips to protect your credit cards.
The fact that our credit or debit card numbers end up in unwanted hands is the classic fear that everyone who purchases via the Internet has.
Cybercriminals are always looking for our data, using more complex techniques every time they try to steal them. Now, how can we be sure that our card is safe when buying online?
The most advisable tip is to make a series of suggestions, for example, always pay through services such as PayPal or use a virtual card.
If you are interested in the subject and you want your money to be kept safe without complications, do not stop reading. We will show you some useful tips you can use to protect your credit card when shopping online.
How to protect your credit card when shopping online
1. USE A VIRTUAL CREDIT CARD
If you are very afraid of putting your credit card information on the Internet when you buy, we recommend that you get a virtual credit card. The best thing about this system is that you can choose how much to spend (limiting a number for greater security) or how long you want it to be operational. Basically, it works like a prepaid card that you top up from your bank with limited money, which will also help you control your expenses. Once the money on this card is finished, you will have to re-enter more if you want to continue buying.
Virtual credit cards work like credit or debit cards. That is, you are given a card number, CVV and expiration date. This data is different from your credit card, so it works like a separate card. Furthermore, most banks do not charge a commission for one.
2. PAYMENT THROUGH PAYPAL
It is possible that on more than one occasion you have heard what to pay with PayPal is safer. It’s really like this. This service acts as an intermediary between the seller and the buyer so that it is responsible in case we are cheated or that the purchase does not arrive. Always, logically, respecting the terms and conditions established by PayPal. In the face of credit card transactions, where there is no intermediary, PayPal includes what it calls Buyer Protection.
It is a system in which it is possible to open a dispute in case there was some kind of problem with the purchase. Therefore, when there is a disagreement with the product by the buyer, a period of 20 days will be opened to be resolved between the seller and the buyer. If the seller does not respond, the dispute will change his status to that of claim. Here will be the same PayPal to decide whether to return the full amount of compliance with the requirements. The only obstacle of PayPal in front of the credit or debit card is that not all online stores accept this method of payment.
3. CHECK THE SAFE HTTPS PROTOCOL
Whenever you enter bank details of any kind, make sure the web has secure encryption to protect your credentials. For this, the address must start with the secure “https …” protocol. The normal thing is that a padlock appears next to it. This protocol allows the page to encode the session with a digital certificate. The goal is that we have certain guarantees that data sent from that website could not be intercepted and used by third parties.
4. DISABLE THE SELF-COMPUTER FUNCTION OF YOUR BROWSER
Browsers have a rather dangerous function if you’re really afraid of paying for your online purchases with a card. It implies automatic completion, which saves all your personal data (including card numbers) without your noticing. This means that if a hacker enters your system, you just have to click to get the numbers and steal your credentials.
Therefore, it is advisable to deactivate it from the browser. If you use Firefox, go to the Preferences section and go to Privacy and Security. Then go down to history and choose “Use custom settings for history”. Deselect “Remember history and search forms”.
In Chrome, go to Preferences and select Advanced settings. In the Password and Forms section, click Auto-complete settings. It deletes all credit card data that has been saved automatically and disables the auto-complete option.
5. EXTREME SECURITY WITH A GOOD ANTIVIRUS
Install an antivirus on your computer to protect yourself from threats. Techniques like Phishing or Keylogger can be avoided if updated and active every time we surf the Internet.
Also, avoid entering personal data, particularly those of the bank card, when you are on an unknown device or in a public place where you are using an open WiFi connection. Please note that the transferred data may be controlled by third parties, who may be able to acquire your card information for use on your behalf.
6. DISABLE THE CREDIT CARD
Most banks have a mobile application to operate more comfortably. In it, you have several options to protect your card from threats. For example, the ability to apply an additional level of security to enter a password every time you finish an online purchase. This means that when you buy something online, you will receive a key on your mobile phone when you go to make the transaction to complete the purchase.
Also, in case you lose your card or problems someone has been able to do with numbers, you can turn it off automatically and activate it as soon as you need it. This option does not block the card, leaves it only inactive during the time you choose. These functions can also be performed on your bank’s website.