How can I protect myself when buying online?
Hot Topics
- What is Credit?
-
Credit is an extremely useful way of paying for goods or services at a later time, usually paying interest as well as the original money. Offering real convenience, you can choose how to pay back credit in the way that best suits you.
- How can I keep my credit card secure?
-
Like anything, a credit card can be stolen or used without your knowledge, so follow these simple rules to keep your credit card secure:
- What APR (Annual Percentage Rate) will I receive?
-
APR is the Interest Rate charged to your account on any balances not paid off by the date shown on your statement each month - meaning that if you pay your balance off in full every month you will never need to pay interest on your purchases.
- Where can I pay my balance?
-
You can pay your balance in a variety of ways, choose whichever best suits you:
- Why is it worth making a Balance Transfer?
-
If you have a large outstanding balance on one or more credit and store cards – you will undoubtedly be able to save money by transferring your balance to another credit card.
As long as you have not been negligent, you're always fully protected against fraudulent charges when using the Internet to make purchases.
All websites use secure-server software which encrypts all your personal information including credit or debit card number and name and address. The encryption process takes the characters you enter and converts them into bits of code that are then securely transmitted over the Internet - this is called Secure Sockets Layer (SSL) encryption technology and these Private Communication Technology (PCT) security standards are supported by Microsoft Internet Explorer and other popular browsers.
This makes doing business over the Internet as secure as purchasing by telephone, however, if you feel uncomfortable transmitting your credit card information over the Internet, you can always ring the company direct and either make the purchase over the phone, or if they have the facility, ask them to keep your credit card number on file. If they store your number then the next time you purchase, you'll only need to supply the last four digits of your credit card number to buy online.
If your card has been lost or stolen, you notice any unusual transactions or if anyone uses your credit card account online without your permission (or the permission of another person who is authorised to use your account), you're not liable for paying those charges.
|
