Black Friday is here, and we can already see you polishing your credit card. Perhaps it is the moment you have been waiting to buy things that you like or need at an unbeatable price; And you're probably going to make some of those purchases online. Electronic commerce is booming and it can bring you many satisfactions. But you are also exposed to risks, here are 4 tips to avoid an online scam this Black Friday.
Can internet scams be avoided? The truth is, it is very difficult. Of course, there are some things you can do that will help you minimize the risks of suffering an online scam but also the consequences if it finally occurs.
1. Secure pages
Do not trust any offer or, of course, on any Internet page if you want to avoid the online scam. An important guarantee of the credibility of the landing page, for example, is that it is web https: (those with the padlock).
2. Exclusive payment card for online purchases
A good alternative for the most proactive in terms of risks is to refer your credit card to a smaller account, where you may not have all your money so that, in the event of data theft or fraudulent use of your card, the economic impact it would be less. For the most cautious (or fearful) there will always be the cash on delivery.
3. Control of movements on your card
There are two main groups of scams related to your credit card: the case in which you still have the card but someone, in some way (for example, through a phishing scam ) takes hold of the card's data; or the case in which the card is stolen to use it and, therefore, you stop having it. In both cases, it is important that you regularly check the card movements and, if you detect an irregular payment, use your bank's own mobile application to disable the card as soon as possible.
4. Insurance strip
Although, as we have just seen, there are different types of theft when it comes to card theft, insurance can help you in both situations avoid online scams. For insurance purposes, in both cases the same risk arises that you want to protect yourself, an economic loss derived from a payment transaction that you have not authorized. For this reason, apart from the convenience of always acting with the utmost diligence and care when using your credit/debit card (whether online or not), the moment you are aware or suspect that a third party may be using your card without your consent, you must contact your bank and notify them.
The multi-risk or home insurance. In addition to specific card insurance, there are other broader insurance programs, such as multi-risk insurance, which includes additional or complementary guarantees that provide coverage against cases of fraudulent use of credit/debit cards.
Legal defense insurance. Do not forget that, if you suffer an online scam, you may need the help of legal professionals to properly guide you in the steps you have to follow. A situation in which it will be very good for you to have a good legal defense insurance.
Credit card insurance. Having the card insured is always a good idea. There are different insurances of this type but the coverage related to purchases with debit/credit cards is usually quite common to buy safely. In fact, the specific insurance coverage products for the protection of unauthorized payment operations, normally, are already linked to the cards from the moment it is activated and becomes operational, it is recommended that you check with your bank when you buy the card.
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