1. Know the retailer before providing your credit card information. Visit www.bbb.org to view a company’s Business Review to help ensure safe shopping.
2. Don’t be pressured. Comparison shop so that you know where to find the best price.
3. Review your credit card statement each month. Look for any unauthorized charges and contact your bank or credit card company immediately if you find discrepancies. Consumers can also file a complaint with the Better Business Bureau at www.bbb.org
4. Stop payment on orders that didn’t get delivered. A company must ship mail-ordered merchandise within 30 days from the time it receives your order-unless some other time is stated for shipment. If the company cannot ship within the advertised time then it must notify you and permit you to cancel or agree to the delay.
5. Watch out for “all sales are final” language. Understand the retailer’s return policy before you make a purchase.
6. Do not click on links in emails from strangers. This may be an attempt to steal your personal information.
7. Check for credit card protection. Many credit card companies offer fraud protection that will cover the cost if you report it within a certain timeframe. You may also be able to monitor activity online to help catch anything unusual.
8. Get a new credit card number. Ask your credit card company for a different number that you can use exclusively when online shopping. This may help reduce identity fraud.
9. Change your passwords. Keep track of your passwords in a secure document, and don’t stick with simple passwords that are easily guessed. You should change your passwords regularly.
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