4-Step Guide to Protecting Your Credit Card Information Online

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In this time and age where so many of our purchases are made online, from shopping to booking tickets, it is crucial that our credit card information is protected.

Staying safe on the Internet implies following the same predominant rules that you abide by when you hop over to your local mall, like safeguarding your wallet, and not entering shady shopping places (not that there are many in Singapore). Online, you have to keep yourself safe from hackers, fake websites, scam, and much more!

Additional read: Psychology Explains 5 Reasons Why We Fall Prey to Scams – and What to Do About It

Read on to know how to stay secure when you are shopping online.

1. Use secure websites

This is something you should know if you are an internet nut. To ensure that you are navigating through a secure website, you should go to the URL and look out for the https connection, a padlock or any other digital security certificate. This will help in ensuring that you only enter your personal information on a website which will encrypt your transaction from end-to-end. Sending your credit card information over email is a big no-no!

2. Opt for 3D secure online transactions

3D secure online transactions offer an additional layer of protection. In this case, a one-time password will be sent to the registered mobile number of the individual and the individual will be required to enter the password in order to complete the transaction.

Additional read: 7 Simple Things You Need to Do to Not Fall Victim to Credit Card Fraud

3. Be careful of what information you share on the internet

It’s tempting to take the newest quiz to know which character you are from your favourite TV show or if you are girlfriend/boyfriend material. But are you aware that the person on the other end has access to all your personal information? Yes, they can access your public profile including your name, address, email address, contact information and more.

The more information you have shared about yourself and your life on social networking sites and other websites, the higher chances are of Identity Theft scenarios. Fraudsters can easily impersonate you based on your available online information, and gain access easily to your sensitive information including your credit card information and bank account details.

4. Be smart about your password settings

Use a password for every device you own. The costliest rookie mistake to make when setting a password for any online activity is having your credit card PIN in it. It sounds ridiculous even reading this, but it happens more often than you think. Many websites require a password of a certain length and to have alphanumeric characters, so it’s easy to lose sight and throw your card PIN in the mix for the numeric characters in your password.

Switch up your passwords, keep it weird, bizarre, unusual so no one can even attempt to guess it depending on your public and social information. Many websites, especially online banking and other business/money-related websites have a certain number of attempts after which the system will lock further attempts out.

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Do you have any other suggestions that could keep us safe from credit card fraud? Let us know in the comments below.

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