Why not use your debit and credit card when shopping online for essential goods?
As of 2020, there are around 7.74 billion people in the world, and 2.14 billion or 27% of that has turned to online shopping. With many shops and malls closing due to the pandemic, many people had to shift to online shopping to scratch their retail therapy itch.
Online shopping platforms, marketplaces, and even food delivery apps have made it easy for you to add to cart with just a tap. Online shopping is no longer limited to just clothing and home décor. Nowadays, you can even do your weekly grocery shopping right in the comfort of your own home and have it delivered straight to your doorstep an hour later. Everything and anything you could possibly want can now be found online.
With online shopping becoming a part of our new normal lives, using your credit card or debit card can make your online shopping easier and more convenient.
Credit card tips and tricks for online shopping
Only use websites you trust. Avoid clicking links you find on the internet or social media, even if it looks familiar to you. There are some phishing websites that use fake URLs for mining and stealing credit or debit card information. Type the whole address on the address bar or search for the website through a search engine instead.
Avoid using public computers and networks to access your account. Public computers and networks are less secure than your mobile data or personal Wi-Fi. Whenever you use these to transact online, hackers have a greater chance of intercepting the connection and stealing your information as it travels from one server to another. Hackers can also install spyware into the public computer that records keystrokes, including your login information and credit card number. It’s safest to shop online using your mobile data or your personal Wi-Fi.
Make sure your credit cards are secure. You don’t need to worry about using your Metrobank Mastercard credit cards online. You can get automatic worldwide insurance for online item purchases with E-Commerce Protection. Get coverage for losses such as incomplete or wrong item delivered, defect or damage in delivery, and non-delivery of online goods purchase. To file a claim, simply go to https://ph.mycardbenefits.com.
Review your statements regularly. Whether you use a debit card or credit card, make it a habit to review your online transactions regularly, even if you did not make a purchase. This is to make sure that everything is in place. You should also check SMS and email transaction alerts sent by the bank to help you monitor your card activity. Reviewing transactions regularly makes it possible for you to spot discrepancies sooner. Report even the smallest discrepancies, even if it did not push through as this could be a sign of a bigger fraud attempt later on.
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