[edi581] Credit Card safety
- From: JerryTaylr@xxxxxxx
- To: undisclosed-recipients: ;
- Date: Tue, 4 Nov 2003 23:41:24 EST
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CREDIT CARD SAFETY
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Is it safe to use a credit card online? My answer to this is a
resounding YES. In fact, it's far safer to use your credit card at
a reputable online store than it is to give it to a waiter in a
restaurant or a telephone clerk at a mail-order company.
The waiter could copy down the card number and sell it to some guy
in the alley. The telephone clerk has your full billing address and
phone number, making it even easier to use the card fraudulently.
But on the Internet, most transactions occur automatically, with no
human interaction. Nobody ever sees your credit card number. Of
course there have been situations where an Evil Hacker broke into a
company's customer database and stole credit card information. But
this could happen to any company, whether or not they do business
on the Internet.
--> Bottom line: Using your credit card ANYWHERE carries a certain
--> amount of risk. Using it on the Internet is quite safe, as long
--> as you keep in mind these two important rules:
1) Never send your credit card info by email.
2) Never whip out the plastic unless your browser shows the
little padlock icon at the bottom of the screen, indicating
a secure connection. When you submit info from a secure
page, your browser will encrypt all personal information
before sending.
If you ever suspect that your credit card number has been
compromised, contact the issuing bank immediately. In most cases,
your liability for purchases made without your permission is little
or nothing. If you have a dispute with a merchant about a charge that
appears on your credit card bill, you can issue a chargeback request
through your bank. The merchant will have to prove that you in fact
ordered and received the goods, or the charge will be removed.
Another good idea: Credit card purchase receipts discarded with
household trash could be found by anyone willing to sift through
your coffee grounds and chicken bones. Small personal shredders
can be purchased for under $20 at office supply or department
stores.
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Class website: http://www.greece.k12.ny.us/taylor/suny/
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