The possibility of buying online brings several advantages and facilities to our daily lives. However, with this advancement in technology, our bank details have become more exposed. That said, it is necessary to know how to buy safely and avoid fraud on our credit cards.
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Online shopping growth
According to the National Secretariat for Consumer Protection (Senacon), in 2020, the amount of credit card fraud grew by 111.8%. This increase was accompanied by the growth of the e-commerce sector, that is, virtual purchases. This sector was already growing considerably, but with social isolation this happened more quickly. Therefore, it is necessary to learn how to use this shopping modality safely.
How to avoid fraud?
One of the factors that facilitate the occurrence of fraud is allowing your card details to be saved on the websites where the purchase was made. Also, your card password should never be provided. This happens because an online purchase only needs the data written on the card, that is, the password is not necessary to make the payment.
Another important point of attention is to be careful with where to buy. In that sense, be sure that the site you are buying from is reliable. Some things can be done for this, such as checking the company's reputation on Reclame Aqui and on the Federal Revenue website, in addition to checking if the store has security seals and HTTPS padlock.
You also need to pay attention to the links received by messages. This is because many are fake and take advantage of easy sharing on social networks to steal card data from those trying to buy. In addition, it is recommended not to make purchases while connected to public internet networks, as these are more vulnerable to hackers.
Finally, two things you can do to protect your bank details are: use online payment services and virtual cards. The first will allow you to pay for the purchase without informing the website of your card details, as PayPal does. With the virtual card, in case of fraud you can block it and generate a new one in minutes, without having to wait for the bank to send you a new physical card.
