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Completing online transactions through credit cards is generally safe, but not 100% secure. As there are so many fraudsters and hackers, they might want to penetrate your banking account.
While it’s impossible to control some worst-case scenarios such as data breaches, you can shop online smartly and make it harder for hackers to get access to your information. However, credit card transactions are safer than debit card transactions. This is because the protection on credit cards is higher than debit cards. If you report unauthorized transactions within 60 days, you won’t have to face any problems as most large companies offer zero-liability protection.
Safeguarding your online transaction is very important. With some proper maintenance, vigilance, and an additional layer of securities, you can protect the information of your credit card from hackers. In this article, we will discuss the top 4 steps that will help you to keep your credit card transactions safe.
Use a Secure Connection and a Private Device
Shopping in private especially away from public eyes is the most effective method to protect your credit card information. Remember that a communal or public computer in a cyber café or library can save your log-in information. This makes your account vulnerable to the next user. Even if you log out, the malicious viruses and Trojans can record keystrokes and access passwords, usernames, and even credit card details.
Using your laptop or mobile device is secure, but not entirely safe you’re using public Wi-Fi. Your information can be stolen easily from public Wi-Fi. Hence, you should shop only through your device and your own secure and private connection. As per Kaspersky, hackers can use public Wi-Fi to distribute malware. You can also use a VPN which will add an extra layer of security.
Investigate the Merchant Along With the URL
If you receive the website link of a company through email, don’t shop directly through that particular website even if the company is famous. Instead, open their website through your browser. If you know the merchant’s name or the address of the website, you can visit them directly. This will protect you from a possible phishing attack. Fraudsters use phishing attacks to send you an official-looking email address to access your personal and banking information.
If you aren’t familiar with the merchant, you need to conduct some research to prevent any security breach. Try to find the name of the merchant on some business websites. You can also check their social media accounts to gain more information.
Pay With Additional Security Layer
Some famous third-party digital wallets such as Google Pay and Apple Pay will offer an additional layer of security that will protect your firstnationalcc information from the merchant. Instead of providing your banking information, these digital wallets provide a one-time virtual account number known as “tokenization”. However, Apple is far more secure as it doesn’t store the account number on servers.
Use the Security Feature of Your Credit Card App
Another great way to protect the information of your credit card is by using the security features of your credit card applications. Try to set up two-factor authorization. That will prevent anyone from gaining knowledge about your credit card’s information.
You can also turn on account alerts. If someone else accesses your account, the application will notify you by sending a mail or text.
Conclusion
These are the 4 steps you need to remember if you want to protect your credit card information during online payment. The formation on your credit card is very valuable. Hence, you need to take every precaution to safeguard them. If you think that your account is breached, don’t forget to contact the company immediately.
