5 ways to protect the money on the card when paying online

Despite the fact that today the credit card is a popular way to pay online for goods and services, many people still do not fully understand what risks conceals its use. I suggest you learn how to protect their money in the calculations on the Internet and does not rise to the bait cunning of online shopping and online fraudsters.

According to statistics, 10% of Americans have been victims of credit card fraud in 2013, while the average amount of the stolen money amounted to nearly $ 400.

Of course, on such a scale, this type of fraud reaches only in developed countries but developing economies are catching up fast The United States and leading European countries in the number of cards issued per person and actively transferred salaries and pension payments to bank cards. This, in turn, spurs interest scams to new ways of obtaining money.

So, how to be sure that the money for your map Once you spend, not the guy from yesterday's cafe at the next table?

1. Pay only on trusted sites

If every time you top up your mobile phone via the same service and believe in it (for example, it the bank's website, where you are served), it is not necessary to change it at the first available in a search engine site replenishment. If you have forgotten the exact address of your favorite resource, try to find it or remember it.

At the top of search engines may be fraudulent and resources quickly and reliably check the safety of which is problematic.

I am not informed about the loss of his credit card to the police because whoever stole it, it is spending less than my wife.

2. Make sure you have HTTPS

According to VISA and MasterCard standards, payment card data to be transmitted via a secure connection, as evidenced the presence in the browser address bar and a padlock icon prefix https the address of the site where s means secureThat is safe.

If the page is a form of payment has the form http: //www.somesite.com, in no case do not leave it on your card details! Even if the shop is not a fraud, any Internet scammer is able to effortlessly intercept your details at the time of sending this form.

More confidence you need to call the site with the green address bar:

In this case, you can be sure not only a secure connection, but also in the one to whom you are paying: in the address bar, in addition to the website address, indicated the company name.

Most of the top online stores, as well as banks' websites have been using "green" certified secure connection.

3. Check the payment amount on the card entry page

If you are sure that the payment is safe, it does not mean that you can not worry about protecting your money.

Sometimes, online stores and services almost imperceptibly added to your order additional services or related goods, the agreement for the purchase of which you have given, just press the big green button "Further". Whereas gray and a small link "No, I want to buy only what I chose," you have not noticed.

So, before you enter the number of your card, make sure that the payment amount and the content of the basket in line with what you would initially buy!

4. Protect your card from repeated payments

Perhaps for many it will not be open, but to write off the money from the card without your participation can not only your servicing bank.

Almost any paid Internet service is "customer convenience" extend your subscription for its services automatically charged the amount of the monthly service with your card, you are him earlier "Left".

See, what you agree to when ordering. The conditions may be the point of re-write-off of money from the card, even if the purchase is not obvious.

Another way to a paid subscription, which are actively using online services - is a free trial period (free trial).

You just enter the card, and you offer "free" access to selected products or services.

But at the end of the trial period, your credit card starts debited monthly payment until until you stop data write-off by contacting the support service, or via settings account.

Moreover, the longer the trial, the more likely that you will forget where they left your card details, and will not notice the come the payment.

In some cases, the free trial can be obtained using this life hacking.

5. Keep an eye on your card with the write-offs

Any modern bank provides access to internet banking where you are at any time can view all payments on your card.

In the not very technologically advanced banks, they can be updated with a significant delay, and access your most recent transactions can be difficult. Therefore, when you open the card, always draw on your mobile phone SMS-banking - information about each withdrawal from a real-time map.

This way you can control both the exact amount of write-offs, and that in any store or ATM has been withdrawn.

The optimal solution for calculations on the Internet - a virtual card, the money that you put in portions, for each specific purchase amount. So you will be sure that the extra money you will not be written off, and a crook, taking possession of the data card still can not do anything to spend.

There is something to be supplemented? Share in the comments, I will be glad to discuss your tips and life hacking!