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Advice for Web Purchasing
I recommend that you be very cautious about purchasing anything on the
internet. Why' The internet is large, new and unprotected in many cases. It
is incredibly easy for a fly-by-night schemer to set up shop, defraud some
people, then move on without getting caught. And it's often difficult to
determine who is the good guy and who is the bad guy.
Not to mention the problems of credit card fraud, privacy invasion and other
unseemly attacks on your money and good name. Some of the dangers include:
- Your credit card numbers can be stolen by any number of means. These
credit cards will then be charged up as high as they will go. You are
legally protected from this kind of thing, but you have to report it quick
and you will not be able to use the disputed amount while it is being
investigated.
- Spammers can get hold of your email address and send you undesired
advertisements.
- Unauthorized people can get your personal information and use it against
you in some way.
- In extreme cases, people may use your social security number (and other
numbers) to gain credit in your name. This is called identity theft.
Here are some suggestions to help fight some of these things.
- Make sure you are using a secure link. This is easy to determine, as you
will see the "https" in the site address. Your browser may also display a
locked symbol.
- Do not ever use your debit card. Some banks say you will not be liable for
fraud, but that won't help in the short term with your checking account
empty. Use a credit card so that liability is covered with the banks money,
not yours.
- Get a small, $500 credit limit card for internet purchases and pay it off
each month. This way, your maximum exposure is $500. If someone uses it
fraudulently you won't be liable anyways as long as you follow the reporting
rules, but it's nice to limit even that small liability.
- Always use a credit ......
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