7 tips for more secure online shopping
Protect yourself by carefully choosing where—and how—you shop.
Who doesn’t love shopping online? The simplicity, the selection, the ability to filter by price—awesome. But it’s important to make sure you’re not giving up security for convenience. The good news is that there are plenty of ways to help keep your information safe while shopping from the comfort of your couch.
So, as you scroll your way through your next online shopping spree, consider these seven tips to help ensure your online information is protected and your purchases are safe.
1. Consider shopping online with a credit card rather than a debit card
If hackers gain access to your debit card and make purchases, money may come directly out of your checking account until the problem is resolved. If your credit card number is stolen, you won’t be responsible for fraudulent purchases. The same is true for debit card numbers, but only if you report the fraudulent charges within 60 days of your statement being sent to you. Otherwise, you may be on the hook for them.
The rules are a little bit different in cases where your actual cards are stolen. You can read more from the FTC. If you’re a Capital One customer, you can also report lost or stolen cards directly—and order a replacement.
2. Don’t shop on public Wi-Fi
It’s hard to imagine a better way to unwind than with a tall latte and a little retail therapy at your favorite coffee shop. Unfortunately, you may be giving a hacker easy access to your credit card information. Public Wi-Fi is just that—public. Enjoy your coffee and feel free to add items to your shopping cart, but pass on making any purchases until you have a private connection to help prevent credit card fraud.
3. Beware of email alerts
Each year, hackers steal the identities of millions of people and make billions of dollars in illegal purchases. Hackers are experts at sending emails that appear to be from real companies. Such scams—known as phishing attacks—ask you to click on a link to verify a purchase or financial information. Don’t do it. These links are designed to steal your private information. Instead, contact the company directly to find out if the email you’ve received is actually from them.
4. Avoid commonly used password phrases
A strong password is one of the best ways to protect yourself while shopping online. Longer passwords are more secure and generally should include a combination of letters, numbers and special characters. Try to avoid using full words, which are easier for hackers to decipher.
5. Don’t share your social security number
If an online retailer asks for your Social Security number (SSN), help protect yourself from identity theft by finding a different place to shop. Legitimate shopping sites don’t need it and won’t ask for it. If hackers get your SSN, it’s much easier for them to use your identity to make illegal purchases.
6. Regularly check your transaction records
Be on the lookout for any questionable purchases that show up on your credit or debit card statements. If you see unfamiliar charges, immediately contact the bank or card issuer. Try using a mobile wallet that lets you track activity on your accounts.
The quicker you report the issue, the quicker it can be resolved. It’s also a good idea to check your credit reports regularly. There are plenty of free apps, like CreditWise from Capital One, that allow you to check your credit score anytime without hurting it. If a hacker opens a credit card account in your name and you’re not monitoring your credit, you may not know about it until the account is in default. Situations like this can damage your credit score and can take months—even years—to resolve.
7. Pay quickly and securely
Try using virtual card numbers to avoid typing in your card number when you check out online. When you pay, a unique number is shared with the retailer instead of your actual card details, helping keep your information protected. It’s a simple way to pay for purchases online, and you’ll save time while helping safeguard your identity.
We hope you found this helpful. Our content is not intended to provide legal, investment or financial advice or to indicate that a particular Capital One product or service is available or right for you. For specific advice about your unique circumstances, consider talking with a qualified professional.
The information contained herein is shared for educational purposes only, and it does not provide a comprehensive list of all financial operations considerations or best practices.
Capital One does not provide, endorse or guarantee any third-party product, service, information, or recommendation listed above. The third parties listed are solely responsible for their products and services, and all trademarks listed are the property of their respective owners.
Your CreditWise score is calculated using the TransUnion® VantageScore® 3.0 model, which is one of many credit scoring models. Your CreditWise score is a good measure of your overall credit health, but it is not likely to be the same score used by creditors. The availability of the CreditWise tool depends on our ability to obtain your credit history from TransUnion. Some monitoring and alerts may not be available to you if the information you enter at enrollment does not match the information in your credit file at (or you do not have a file at) one or more consumer reporting agencies.
CreditWise Alerts are based on changes to your TransUnion and Experian® credit reports and information we find on the dark web.