Top tips for online shopping safety

Shopping online can be a convenient way to cross things off your to-do list. But buying from websites while you’re at home using your own computer can create a false sense of security. There’s no need to be scared, just smart. Here are some tips to keep you safe in Christmas shopping season and avoid card fraud.

Know who you’re buying from

  • Go straight to trusted, well known retailers e.g. www.target.com.au.
  • Keep an eye out for web results that aren’t an official source.
  • Buy gift cards directly from the store – not from eBay or second hand sellers.
  • If you’re not sure about the retailer, do your research. Even a simple Google search can show up some independent reviews.

Secure sites only

  • Make sure the site is secure before you make a payment – secure sites start with https and not http. They usually have an image of a closed padlock on the bottom right hand corner of the screen or in the web address bar.
  • Look for a security policy that explains how the business protects your personal details, including the level of encryption (how information is protected when sent online) and how credit card details are stored.
  • Don’t give more information than you need to – no online shopping site needs your date of birth or tax file number.

Know how to avoid risk

  • Keep your anti-virus software updated on all computers and devices.
  • Avoid using public computers or public Wi-Fi networks for online shopping or banking.
  • Link your card to a third-party service like PayPal or BPay – it gives you more options to dispute charges and request refunds if there’s a problem.
  • Don’t send your credit card details via email.
  • Keep records and check your receipts against your credit card or bank statements.

Password protected

When to take extra care

  • AfterPay and other interest free deals – know the terms and conditions and when payments will come out of your account.
  • Overseas sellers – how easy will it be to get your money back if things go wrong?
  • Be cautious about links in emails, text messages or on social media that can introduce viruses and malware to your devices. If you’re not sure about a link, delete it.

Think you’ve been overcharged or scammed?

If you notice anything unusual, or can’t trace a purchase or have a lost or stolen card, talk to your bank. You can keep an eye out for scams and make a complaint if you can’t resolve a dispute.

Tip: If you have a QBANK credit card, you can lock or unlock your card on the spot using the QBANK App.

Stay safe

Online shopping and paying bills is generally safe and hassle free, if you stay smart. Want to know more about fraud protection using QBANK accounts? Call 13 77 28.

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