Paying Credit Cards Online
Making credit card payments online happens all of the time. Some individuals absolutely love that they need not step outside of their houses to buy the items they need and want both for themselves as well as their family members. However others are novice to using a credit card online. Here we look at some ways to protect yourself and to prevent online credit card fraud and identity theft from happening to you or anyone you love.
Automatic billing can take the bite and the frustration out of paying your credit card bill. In this case you would set up your online credit card account in such a way that the payments would come out of your checking account every month.
For those people who still feel a little ill at ease about typing in their credit card number online it helps to know that as long as you are careful and conscientious about purchasing goods in the virtual world it can actually be safer than using your credit card at a store, a bar or a restaurant. Let us explore this further.
Many credit card holders do not realize that the late fees that come with late payments can really add up fast and can end up finding their way onto your credit report. Future lenders who see that will view the late payments in a negative manner. It may impact your ability to obtain credit in the years to come.
It is possible that a public computer with a public network could have what is known as keylogger software. What this software does is it captures all of the keystrokes you make. This would include your login information as well as your credit card information. This is what you want to avoid. It is even possible that your private information can be stolen when you use your laptop on a public wireless network. Stay safe and do your shopping online at home.
When you type in a website look for the letter “s” to appear after you type in the http. Some websites will already be https when you type them in while others will automatically change from http to https as you type in the URL. The https lets you know that you are dealing with a secure server.
When your credit card statement arrives peruse it carefully. Leave no stone unturned in this case. If you see any transactions that look suspicious or do not look familiar then call the credit card company and your bank right away, without delay. It is probably best to either deactivate or suspend your credit card in order for the credit card company to check into the situation as well as to prevent the concern that further fraud will take place.
The United States as well as a selection of other countries throughout the world have laws that limit the liability to the card holder in the event of fraud. However these limits do not come into play in most cases until the financial institution that the individual banks with has been informed of the situation.
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