10 Tips for Shopping Safely Online

Online shopping is convenient, fast and often cheaper than going to the store. But if you’re not careful, that convenience can come at a cost. A few missteps could put your personal information at risk — and even open the door to identity theft.

Here are some easy ways to protect yourself while shopping online:

1. Stick to reputable websites

Only shop through websites you trust. If you’re unfamiliar with a particular shopping site, research its reputation through a search engine or review platforms.

Instead of clicking links in emails or posts, go directly to the website by typing its URL into your browser. Hackers often create fake websites designed to steal your personal information.

3. Shop from a secure network

Avoid shopping while connected to public Wi-Fi hotspots. Hackers can intercept information sent over unsecured networks. Shop from home or use a secure, private network.

3. Check for “https” in the web address

Before entering personal information, ensure the website URL begins with https://. This indicates the site uses encryption to protect your data.

4. Use a credit card for transactions

Credit cards offer better fraud protection compared to debit cards. Most credit card companies refund fraudulent charges and offer protection if items don’t arrive or disputes arise.

5. Only provide necessary information

When making a purchase, only fill out required fields. Avoid providing sensitive details such as your Social Security number or birth date.

6. Create unique passwords for each site

Major companies like Target, eBay, and Home Depot have faced data breaches in recent years. Use different passwords for each shopping account to minimize damage if one site is hacked.

7. Review return and refund policies

Before purchasing, check the store’s return and refund policy. Be aware of potential return shipping costs or restocking fees that might reduce your refund amount.

8. Monitor your accounts

After you shop, keep tabs on your credit card and bank statements. If you see something suspicious, report it right away.

9. Enable two-factor authentication

Whenever possible, turn on two-factor authentication for your accounts. It adds an extra layer of protection in case your password is compromised.

10. Keep software updated

Make sure your devices and antivirus software are up to date. These updates often include important security fixes.

Stay safe with card controls

When you follow these simple steps, you can shop online and feel assured that your person information will be safe and sound.

For added peace of mind, Horizon Credit Union members can use card controls to help fight fraud and stay on top of spending. You can set alerts, turn your card on or off, and even limit purchases by location or merchant type — all from your phone or computer. Set up card controls today to protect yourself and your money.