India Credit Cards
India Credit Cards India Credit Cards
India Credit Cards
  India Credit Cards Premium Credit Cards
  India Credit Cards Gold Credit Cards
  India Credit Cards Silver Credit Cards
  India Credit Cards Balance Transfer Credit Cards
  India Credit Cards Low Interest Credit Cards
  India Credit Cards Rewards
PointsRetail • Fuel
  India Credit Cards Cash Back Credit Cards
  India Credit Cards Airline Credit Cards
  India Credit Cards Business Credit Cards
  India Credit Cards Co-branded Credit Card
  India Credit Cards Lifetime Free Credit Cards
  India Credit Cards Other Credit Cards
India Credit Cards
  India Credit Cards ABN Amro
  India Credit Cards American Express
  India Credit Cards Axis Bank
  India Credit Cards Bank of Baroda
  India Credit Cards Citibank
  India Credit Cards HSBC
  India Credit Cards Deutsche Bank
  India Credit Cards Barclays Bank
  India Credit Cards Standard Chartered
  India Credit Cards HDFC
  India Credit Cards ICICI Bank
  India Credit Cards SBI
  India Credit Cards Canara Bank
  India Credit Cards Visa
  India Credit Cards MasterCard
  India Credit Cards Amex
  India Credit Cards Diners Club
  India Credit Cards Kotak Mahindra
India Credit Cards
  India Credit Cards   New Credit Card Offers  
  India Credit Cards   Credit Card Articles  
  India Credit Cards   Credit Card Blog  
India Credit Cards   Credit Card Site Map
India Credit Cards   Web Directory
Special Offers
  Protecting your credit card while shopping online  
By: Sofia Mistry  
Many of us in India are getting used to the fact that we need a credit card and almost everyone has one these days, well not almost. Another fact that is also becoming a reality is online shopping. While most of the online shopping in India these days is for airline tickets or movie tickets this trend is bound to expand to other areas like shopping for clothes or gifts.
A lot of Indians are still skeptical about using credit cards online fearing fraud or misuse of their credit card. However, reports suggest that it is actually safer to use your credit card online than hand it over to an attendant at a gas station, bar or even restaurant for that matter. Most online transactions are secure and ensure maximum security by using strong encryption technology. Here are some common tips that you could use to ensure your online shopping experience stays safe:
  1. Transact on websites you trust  
  Well its impossible to know and trust all the websites out there that offer E-commerce but you could do your bit to understand if the website you are about to entrust you credit card with is genuine. Check the contact info to see if the website offers a phone number, address and email id that you can get in touch with incase you need to. It is also safe to go by references made my friends/family on their previous experience with a particular website.  
  2. Check for security measures  
  Check for a security lock symbol that may appear near the status bar at the bottom or near the URL bar at the top. This security bar indicates that your session is encrypted and secure. Pay attention to the URL of the website to see if the address begins with https:// the “S” in https:// stands for secure. These symbols usually appear at a stage when you are supposed to key in your credit card info. If you fail to see this then you should avoid transactions on that website as you stand the risk of sharing your sensitive information on an open network which is vulnerable to hackers. A number of sites these days also use “Hacker Safe” symbols which show that their site is being tested by third party security agencies everyday to ensure maximum online security.  
  3. Update your browser and operating system regularly  
  As hackers exploit vulnerabilities in commonly used software, software developers are adding additional security features to protect you from such attacks. Make sure you update your browser and operating system from time to time to make sure you have the latest protection technology offered by it.  
  4. Install firewalls and antivirus  
  Personal firewalls are available for free (sygate personal firewall) over the internet, even if you aren’t able to find one, it is worth investing in a firewall and an antivirus software that protects your computer from spyware and viruses that can steal your sensitive information. Make sure you update the antivirus definition files from time to time to avoid being attacked by new viruses that come out everyday.  
  5. Read the privacy policy  
  Before submitting your confidential information, check to see if the site has a privacy policy and read about how they handle your personal information. Make sure these companies have a clear policy that states that they do not share or sell your information to other companies. If you feel comfortable then continue if not stay away from such websites.  
  6. Use E-card or a credit card with low credit limit if possible  
  Some banks offer something called an e-card that is part of your regular credit card, the difference being that it comes with a unique number and you can set aside a part of your credit limit for online transactions. Another option is to use a credit card that has a lower credit limit. This is to ensure that incase your credit card is misused your liability on that card is limited to the credit limit.  
  7. Check your credit card statements regularly  
  Make sure you check all your credit card statements monthly and verify your online transactions to make sure you are being charged only for the transactions you made. If you find something out of place, call your bank immediately and notify them of the transaction. In most cases the bank will cancel your existing card number and issue you with a new credit card. The faster you notify the bank the lower your liability.  
  8. Use PayPal or Google Checkout where possible  
  Companies like eBay and Google have provided new payment options where you don’t have to store your credit card information just once and protect it using a user name and password. This saves you from having to punch in your credit card info every time and also avoids sharing your credit card info with merchants. PayPal and Google Checkout are increasingly being accepted by online merchants.  
   © 2008 All Rights Reserved.