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Credit Card v Debit Card
By Devin Gilliland
With the rise in popularity of credit cards and debit cards, over 40% of offline transactions are now conducted using plastic over cash. With this set to rise to over 2/3 thirds by 2012, the question Read more...
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Things to Consider Before You Apply for Credit Cards
By Morgan Hamilton
You may suddenly feel as though you have to make some real decisions when you reach 18 years of age. At this age you can freely decide to go off to college, stay out late, and spend your money in any Read more...
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Helpful Tips For Using Rewards Credit Cards
By Morgan Hamilton
Rewards credit cards have become very popular with all the major credit card companies. Reward programs help credit card companies remain competitive. The credit card companies are constantly Read more...
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Using A Credit Card To Shop Online
By Peter Kenny
If you have the Internet, you have probably seen the myriad shopping sites where you can buy all manner of goods and services. However, you might be cautious about buying online because you are unsure of how safe the system is, or how to go about buying something on the Internet. If you need some advice on how to shop online, then here are some useful tips to get you started.
Why shop online?
Shopping online is one of the easiest and most convenient ways to buy products. You don’t have to leave your house to queue at shops, and can compare prices much more easily. Also, because online retailers often have lower overheads than normal shops, you will find that prices are generally cheaper online. If you want to find the best deals on a product quickly, then shop online.
Credit or debit?
When shopping online, you might have the option to pay by credit or debit card. But which type of card should you use? Well, whilst paying by debit card is better for your debt because you have the money, it is much safer to buy online using a credit card. Credit cards have many more security features than debit cards, including buyer protection. If possible, always use a credit card when shopping online.
Keep records
Whenever you purchase anything online, you will likely be sent an email with the details of your purchase on. As well as keeping this email, it is advisable to print the details
out and keep them safe. This way you have a paper record of any purchase that you make, just as you would have a receipt for a regular purchase. This will help you to resolve any issues should things go wrong.
Use only trusted sites
Although shopping online is safe, it is important to stick to well-known and trusted sites. Smaller Internet retailers might not have the safety features required to keep your card number completely safe. Also, trusted retailers are more likely to deliver your product quickly and without hassle.
Agreements and small print
Whenever you buy online, there is likely to be an accompanying agreement detailing the terms and conditions of the purchase. Although many people don’t read these agreements, it is important that you do, because they often include terms that make it difficult for you to take action should you receive bad service. Always read all agreements and small print so that you know where you stand should you need to dispute a transaction.
Virtual cards
If you make a lot of purchases online, then you might want to think about getting a virtual credit card. This is just like a normal credit card, but all transactions and details are based online. This is a great way to separate your offline and online purchases and keep track of your spending. It is also possible to get the number regularly changed, making online purchasing more secure.
Peter Kenny is a writer for creditcards-gb.co.uk Please visit us at 0% Credit Cards and Student Finance Guide
Visit www.thriftyscot.co.uk/
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