Safety When Paying With Your Credit Card


Even if you do use your credit card with the most reasonable care that you can take, the way things are today, you can fall victim to the most creative kinds of credit card fraud that scammers think up. The card companies and banks for their part, have been trying for quite a while to try to place the responsibility for any instances of fraudulent credit card payment with you, the consumer. To give yourself the best chance of protecting yourself, these are the places you shouldn’t use your credit card -because in these places, it is quite likely that you will have your card information stolen.

As a rule, you don’t want anyone to process a credit card payment you make if they aren’t an established business. For instance, if you ever go to shop at a flea market, you should make sure that you only pay with cash. Flea market stall owners are roving tradesman. If there is a problem with those charges, there will be no way for your credit card company to actually track them down.

Not to speak of flea market tradesman like they were hordes of thieves. It’s just that should something go wrong (as unlikely as that is), you want to have been dealing with someone who is an established business. The same goes when you are traveling in another country and you stop by at some a little souvenir shop or the streetside cafĂ©. And while on the subject, make sure that you don’t ever use your credit card with a merchant who uses those old carbon copier-like credit card devices instead of an online terminal.

The way magazine articles go on about staying safe with your credit card on the Internet, you would think that all you need to ever do is make sure that the URL of the payment processing page starts with an HTTPS, and you have nothing to worry about. Nothing could be further from the truth. An HTTPS webpage only makes sure that you are indeed dealing with the people you think you are dealing with, and that the information sent over the line is not intercepted by anyone else. If there is a virus on the computer to begin with, no amount of HTTPS is going to save you.

Come to think of it, HTTPS doesn’t even do that. If you are at Starbucks and you are using your laptop or smartphone to buy something, you’re still going over an unprotected wireless connection. Anyone with the right kind of software on the same Starbucks wireless network can intercept your credit card number and everything else before it gets to the Starbucks WiFi router/switch. You mustn’t use any public computer or any public network when you are trying to make a credit card payment.

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