Is using my credircard oner the net really that risky these days?

Question

Can you get stung!?

Answer 1

You need to take some basic precautions. Keystroke loggers are the biggest threat, they're like having someone watching over your shoulder while you type. So use a really good set of security programs and update and run them at least once a week.
Avast and Ewido are a really good combination to start with.

Next, only use reputable secure sites like Amazon, and type the address yourself, never use a link. Check the padlock symbol is on your browser - but remember if you have followed a link to a fake site it will also show a padlock! It'll be a picture laid over your browser, which is why you should never click a link.

Finally, keep a record of all your purchases and check them off against your bill. At the first sign of trouble phone the company and tell them. They'll put the amount as 'disputed' until its sorted. Stop using the card, have it cancelled and get a new one.

Answer 2

Yes, you can, but that's why you use credit cards. You have the right to dispute unauthorized charges and you are usually only responsible for up to $50, if anything.

It's not particularly safer to give your credit card number over the phone, or to write it on a piece of paper and mail it somewhere, or to hand it to a server in a restaurant.

Again, that's why you use credit cards for stuff like that. Do be sure that your credit card info doesn't get sent around unencrypted though - that's an easy precaution to take because any website that's not set up for encrypted transactions probably isn't legit anyway.

Answer 3

If you live in USA, the risk is low and depends on your credit card companies. Most of credit card issuer will give you the policy and guarantee to protect you in case someone uses your credit card, in which you can claim everything back when some illegal transaction occured. It can be claimed easily if you can proof that the purchaser order something that was not delivered to your home address registered.

3 digit code on the back of CC is also plays important role in safety.
Only pay on website who asked for 3 digit secure code.
Only pay on website that has secure channel such as verisign certificate etc.
Better pay with One time use credit card number (amex/visa) with specified limit or random credit card number generator (discovercard) in which they will not be able to use the same number on different merchant.

Always use the tools/messaging tools by the credit card issuer for notification of uses, it will email you any transaction at your specified limit. So you can track down every uses and claim everything instantly if theres a problem.

Final words: it is safe to use credit card online nowadays. Protection is available.

Answer 4

I have made hundreds of transactions with no problems, always look for a padlock at the bottom right to know that it is a secure site.
I have had a collegue stung having said that, from a famous very large toy retailer.

Answer 5

As long as you are using a secured site to put you details onto you shouldnt be at risk. When you go to pay for something it should flash up that is is or isnt a secure site.

Answer 6

Of course you can, but as long as you are careful with what you do, you will be safe.