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Use Credit Cards Online - Is It Safe?

Aug 17, 2007
How many times will you use your credit cards online this year? During the holidays, for birthdays, for that excellent deal that you just could not get to the store to purchase. All these instances add up quickly. From time to time you begin to wonder whether it is safe to use your credit cards online.

Do You Trust "Them"?

First and foremost, you should always make sure that you are on a secure website before keying in your payment details. Make sure that you are working with a reliable merchant as well. For example, a trusted merchant, a company that you know or have used before is a relatively safe bet. If you haven't used anyone before, you can find out if the company is reliable and safe in a number of ways - one excellent way is locating their listing in the Better Business Bureau.

Get The Facts For Online Shopping

Not sure if a website is secure or not? It can be hard to tell if you are on a secure website or not. In most cases, if the web address is written like this "https:// " (secure) the data is better off than on a website which is " http:// " only. Most payment pages are through a 'secure' connection. Without getting into too many technical details, just remember to enter credit card information only if the address has the "https://" in the URL.

How about those auction houses? Some major auction players such as Ebay provide a relatively secure buying experience - this is to protect merchants as well as the buyer. The larger auction houses on the web are an excellent location to find your product and have a good buying experience.

What about the smaller sites? There is no doubt that you'll want to make some purchases from the smaller, more unique websites out there. You can do this safely though. If you do not want to give them your credit card information, they use a service such as Paypal. There are many other online payment services as well. In this case, you don't need to give them your credit card information at all. You give it to Paypal. Then, they make the payment to the merchant. Why go through this trouble? If you do not receive the product you paid for, many of these companies will investigate the matter to help you out. But, even if you never do, at least the merchant does not have your credit card information.

While it may never be fully possible to have no risk involved, keeping the above tips in mind will help you to eliminate certain risks of using your credit cards online.

Happy online shopping!
About the Author
Mike Singh is the publisher of http://www.my-credit-center.com/ On his website, he provides articles about 0% interest credit cards and how to get a merchant credit card account .
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