Protecting Yourself from Online Card Fraud
If you’re a person who uses their credit card or debit card to make purchases online, you’re probably aware of the dangers of card fraud – the situation where a criminal uses your card’s details in order to make purchases for themselves. There are many ways this can happen: the criminal may obtain your card by stealing your wallet and purse and, while Chip and PIN prevents them from making face to face purchases, it is extremely easy for them to make purchases online.The thief could also trap your card in an ATM by using a device that will prevent your card from coming back out of the machine until you give up and leave, allowing them to come and take it themselves. Alternatively – and this is one of the most harrowing experiences for the victim – the criminal could obtain some of your personal details and use them to take over and run your personal accounts, such as bank and savings accounts, and even use their knowledge of your address to have new cards and cheque books diverted to another address.There are many ways in which fraudsters will try to steal from you – but that doesn’t mean you should lock your cards away and never use them again. By implementing a variety of preventative measures, you greatly reduce the risk of becoming a victim of card and identity fraud and can safely go about your usual business of making purchases online with your cards without ever having to worry. One way to do this is to make sure that when you’re buying from the internet the website has a “HTTP Secure URL. Sites that have this are far more secure, and can be identified by the fact that the website’s address will start with HTTPS rather than HTTP. Other ways to protect yourself include shredding any personal documents before binning them, checking your bills as they come in every month, signing your cards as soon as they arrive and shielding your PIN at the ATM. Many people take out protection, or insurance on their cards as well, so that they will be covered against all of the consequences of card fraud even if the worst comes to the worst. You can protect yourself from online card fraud with a little effort – effort that goes a long way when compared with the potential devastation of doing nothing. Don’t become afraid to use your cards; just get smart and learn how to protect yourself from card fraud, both online and off, and you won’t have to worry about your details being used without your knowledge.