How to protect your card details against online fraud

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The world is now so advance that everything we buy, from groceries, to paying bills, buying cars, electronic devices, even learning are all done online, by doing this we are required to use either bank or card details which can be very risky in some cases losing an entire fortune is not exempted.

The web is a very important, and there are countless benefits you get from them, at the same time, there are different risk ranging from security leaks from companies it may intentionally done or not, phishing scams, trojan horses, viruses, worms, frauds, data swapping and so many more, taking a look at all these, you know that the web is a paradise for scammers and fraudsters, and certainly not a place you take your card or bank details.

Here’s how to protect your card or bank details against online frauds

Check your computer

Keeping your details safe from fraud requires some preparation, first is making your computer is capable of doing the job, you will need an up to date anti virus and firewall as the minimum, though protection like using anti-spyware is also advised.

Free security software are offered by most bank to protect your details, and this is also advisable to use, if you are browsing using your mobile device you should make sure that these software are installed, because mobile device can also be targeted by fraudsters if you browse on the go, use mobile apps that offers the maximum protection than browsing on the go.

Make research about the website

Making online purchase can be risky, because its very hard to tell if the website is real or out to scam you.

There are different ways to check this out and keep your details safe, first check for reviews from other customers, poor reviews can give you a clue whether its real or not, also check the content whether its poorly written, unrelated images appearing on the website, expired security certificate, invalid content details, redirections to other sites (invalid URLs).

Verify if the web page is safe

After completing the above steps, and you are convinced the website is real, next is to check the web page if its secure, because banks and major retailers will only ask for your card or bank details from a secured internet connections.

There’s a way to check if you are browsing on a secured network, first check the http whether it will change to https (hypertext transfer protocol secured), which ensures that your details are not snooped upon.

Having internet security or an anti virus installed gives more reassurance that you are browsing on a safe web.

Spot the phishing scams

Phishing scams is one of the common scamming methods that’s used by fraudsters, and many do fall into this trap a lot, phishing is used as a cunning ploy to get your details from you, while thinking that you are trading with a legitimate retailer.

Staying safe against phishing scams is advised, and its imperative you dont take bait and stay on guard, fraudsters are upgrading their methods by using phishing emails and links, but fake websites are more common.

Don’t use a debit card, use credit cards

A more safer way of transacting online is the use of credit cards, transactions are quick and its more easier to spot fraud using credit cards, credit cards also keeps track of all your transactions.

Credit cards has different anti fraud measures, and it also provides tactics on how to deal with fraudsters, if you are a victim, credit cards also provide extra protection because it keeps you cash in current account safe, so if you card details are stolen, your account won’t be sucked dry.

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