With the increasing cyber crimes everywhere, you must be careful whenever you enter your credit number. It would be best to secure your details by searching for when it is safe and not safe to do online shopping with the help of your credit card. The days are gone when you visit shops and stores for shopping. You can check your credit score through the CIBIL score app or go to the official website of the credit bureaus and check CIBIL score.
The internet is a game changer and turned shopping into online activity. Without stepping out of your home, you can purchase whatever you want. You can purchase groceries, furniture, medicines, etc., from the comfort of your home. But the biggest question is whether online shopping with your credit card is safe. It is advisable to keep checking your credit report and check your CIBIL score through the CIBIL score app. The guide will help you know how to securely use your credit card for online shopping.
Is it Secure to Use a Credit Card for Online Shopping?
Even though the safety of your credit card is based on the portal you are shopping from, using a credit card for online shopping is safe. In addition to the shopping portal, the security of your credit card also depends on the security of the device you are using to shop online and the network you are connected to while paying the seller online. It would be best to avoid using Wi-Fi networks in public places, which are mostly free. If you make an online payment using a free Wi-Fi network, there’s always a risk.
Payment pages on protected e-commerce websites contain encryption features forbidding anyone from viewing or capturing your credit number. When you pay online for an order, your credit card details go through encryption, and the payment processor takes care of the transaction. The end-to-end-encryption features on the payment pages of various e-commerce websites secure your credit card details from cyber criminals. It is beneficial to check your credit score and install the CIBIL score app.
If you pay credit card bills on time, your credit scores will improve, and you can check your CIBIL score through the official websites of credit bureaus and the CIBIL score app. While shopping online with credit cards through a secure device, e-commerce platform, and network is safe, there are a few things that you should remember and handle to reduce the risk of your credit card details getting leaked.
Ways to Stay Safe While Shopping Online with Credit Cards
A few ways you can adopt while shopping online with credit cards and decrease the possibility of any risk are as follows:
Shop Online from a Secure and Trusted Network
You must use a secure and trusted network whenever you shop online and make online payments. It would be best if you only use private for online shopping. Avoiding using a free Wi-Fi network in public places is advisable. Your network in homes is the perfect choice to shop online and avoid using public networks. While only shopping, you should only use your private Wi-Fi network.
Avoid Saving Credit Card Details on Any E-commerce Website
It will help you if you do not save any credit card details on e-commerce websites because it gives an effortless way for potential risks and gives hackers effortless access to highly confidential information about your credit card.
Secure Your Device by Installing Anti-Malware Software
Installing anti-malware software on your device will help you avoid threats and risks. You should ensure that your device has the most current and updated anti-malware software that safeguards you from hackers and miscreants.
Use an Additional Layer of Security
To keep your credit card credentials safe, you can use an additional layer of security. You can use digital wallets such as Google Pay, Amazon Pay, Paytm, PhonePe, Apple Pay, etc. because digital wallets do not give your credit card credentials to the platform you are shopping from, and for every purchase, you get a one-time virtual token number.
There is no doubt that credit cards are extremely beneficial. Instead of spending and paying the credit card bill monthly before the arrival of the due date, credit cards are wonderful. For online shopping, using a credit card responsibly will fetch you various cashback offers, discounts, loyalty points, rewards, etc., and you save more if you pay the credit card bills on time. It will aid you in boosting your credit scores. With the help of the CIBIL score app, you can check your CIBIL score. It would be best to use credit cards for online transactions and restrict the usage of your debit cards for automated teller machine withdrawals.