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How To Use A Credit Card Online Safely
lease use caution when you details stolen or intercepted,
use a 'credit' card on the then ALL the money that is
internet. There are available to that card can be
'criminal elements' every-where, lost - permanently. Can you
and online is no exception. I afford that?? Even if you can
will actually go as far as to say afford to lose that money ( lucky
that you should NEVER use a you!! ) do you really want to
'credit' card online AT ALL. Hear hand it over to a criminal? My
me out! I have a PayPal account guess would be no. So don't risk
and it can be quite useful for it happening! I don't have a
ebay or other places that accept credit card at all, and that is
it. To get a PayPal account you largely irrelevant, but I can
need some sort of credit card, purchase things online.
right? WRONG! There are two main
types of 'plastic card', the What I use is a VISA enabled
first is a 'CREDIT' card ( DEBIT card instead, and this is
potentially very dangerous when how it works. I have two bank
used online ). The second card is accounts, one with all my money
a 'DEBIT' card - very SAFE to use in it, the other is nearly always
online, if you go about it the completely EMPTY. The empty
right way. account has the VISA debit card
attached to it. How does that
You do not need a credit card to work if it is empty most of the
establish a PayPal account. ( or time? Very easily. The first
for lots of other online account has an online banking
services..) A 'debit' card is facility and I simply transfer
much, much safer and I will money into the VISA account
explain why. Firstly, if you use whenever I need to use it. I only
a credit card online and you are transfer about ten dollars more
unlucky enough to have your card than I think I will need to make
a purchase, so that if my VISA insurance policy. ( see the
card details are intercepted or paragraph below note 2. )
used by any criminal
organization, they can't get at Note 2 : Most online banking
ALL my money. facilities allow an unlimited
number of transactions, with no
Yes, online banking has potential transaction fees. So you can use
risks as well, but with the added it as much as you want to and it
layers of security that a bank costs you nothing. Now that's how
provides, the risk is much much I like to pay!! Don't forget
reduced. Also you can directly that in some cases you can do
visit your bank to sort out any direct bank deposits to make a
problems should they occur, but purchase online. That means even
it is much ( very much ) harder less risk to you because the
to do that if you are dealing vendor doesn't even have the
with an online organization that chance to get at your card at
may be based a different country all. They only get the money, and
altogether. So, I hope you aren't that's just fine by them. If you
using a credit card online. need to set up recurring payments
(!?#!!) for a membership or subscription
service, the best way is by
Note 1 : The reason I transfer direct bank deposit. You set it
about 10 dollars more than I up, you control it, and 'they'
think I will need for any given can't change what they charge you
transaction is to cover currency or add extra charges without you
conversion variations and knowing about them :-)
un-noticed packaging, postage, or
insurance costs. I also like to There is a cost involved with
leave a balance of about 20 having a second bank account and
dollars to feed my online that cost is usually thought of
as dead money, but if you look at 'credit' card at all, so without
that monthly ( or annual ) cost the services of a debit card I
as a form of 'pay as you go' wouldn't be able to purchase much
insurance, then it is a lot more online. But I wouldn't have a
acceptable. What I mean by pay as credit card even if I could
you go insurance is the charges ( 'afford' one. I personally think
account keeping fees ) for the that credit cards are just too
usually empty second account are big a temptation for the average
your insurance policy against person. If you have thousands of
losing the contents of your main dollars available to be spent as
account to an online criminal. credit, that is just what most
When you look at it that way, it people do, they spend it. Why is
is really rather cheap. You also that a problem? Well if you don't
get insurance against financial have the money to buy whatever
loss from VISA if your card is you have bought using your credit
lost or stolen in the 'real card, where are you going to find
world'- not that there would be a the money to pay that credit
substantial amount available to back?? Oh, and what about the
that card if you operate it the rude amount of interest that a
way I have outlined above. You lot of people end up paying on
can use either type of plastic their credit cards? Sometimes for
card on the internet, and the years.. I may be old fashioned in
vendor of whatever you purchase this regard, but saving your
will never know what type you are money by having a budget, and
using, but I know what type of buying something when you can
card I will always use. The debit afford to do so, really does save
card. you a lot of money in the long
run.
Footnote : No, I don't have a
About the Author:
Colin Visser is the owner of http://webdziner.biz which has Web Templates | Free Software | SEO Software | Scripts and Free Web Traffic Counters.
Read more articles by: Colin Visser
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