It’s undeniable that online shopping is unbelievably simple and hassle-free. Why go out to a store when you can get a package shipped right to your front door? It’s easy to get caught up in free shipping and discount deals, and end up buying more than you were planning to. As an online shopping addict, especially at places with free shipping, I was caught completely off-guard when I found out I had been the victim of identity theft. Luckily, the charge was flagged as suspicious, and everything was fine. However, I realized that in my utopian vision of online shopping, I hadn’t realized how vulnerable my information had become.
Most online shopping sites have personal logins and accounts for an even easier shopping experience. What I didn’t realize, and that I have found that most people don’t realize, is that sites from Amazon to American Eagle save your credit card information, without asking. One must go into their account and remove the payment methods. At first glance this seems like another way to simplify the shopping experience. However, this is how my card information was targeted and used online. Go to the websites where you shop most often. It is likely that they have your information stored, too. In a time when online shopping is so popular, it’s important to take some simple steps to stay protected:
1) Use a credit card instead of a debit card: Debit cards are connected directly to your bank account, and it is extremely unlikely that the money stolen can be returned to you. Using a credit card online instead of a debit card makes it easier for the charges to be stopped, before money is withdrawn.
2) Remove your card information from websites: Log in to your most visited sites and remove your information, this will reduce the likelihood of your information being released. As some Target visitors learned, even the most trusted stores can be compromised.
3) Set up alert systems to flag suspicious purchases: Many banks and credit card companies offer ways to receive alerts for purchases over a certain amount. These alerts can be emails, text messages, or both. This way, you can target the suspicious purchase and contact the appropriate people.
Safe shopping, everyone!