How to Protect Your Credit Card Information in the Age of Mobile Shopping


The convenience of today’s online shopping and bill payment options have given us no choice but to use our credit card information online. This, as you may already know, places your information at risk of being stolen. This isn’t just a scare tactic used by banks but an actual risk you take. One only has to look at the security breach that large corporations such as Target have experienced to realize that nobody is 100 percent safe. Here are a couple of ways to protect yourself in the age of mobile shopping.

Use Your Own Wi-Fi

What’s better than working from your favorite cafe? Although writing at a cafe is certainly a great way to get your mind going, it can be the easiest way for a hacker to breach your credit card information. According to Jacoby & Meyers, by signing into public WiFi you’re putting yourself at risk for being hacked, so avoid using public or unsecure WiFi.

Use Trusted Payment Platforms

When a flash sale is going on at your favorite boutique online store, it can be tempted to quickly snag a few items, input your information, and go about your day. However, before you do any business with a less-than established company, you must make sure that their payment platforms are legitimate. Some of these may include payment through PayPal, Stripe, and Apple pay, to name a few. If you are asked for bank information such as an account number, then it might not be the best of ideas to go any further.

Use Credit Cards Instead of Debit

Many online shoppers believe that if they are a victim of fraud, then their money is simply going to be returned by the bank. However, this is often not the case. First, you must go through a very long and tedious process to even begin asking for compensation. In addition, according to AllClear ID, debit cards only have a fraud protection limit of $50! Therefore, it is highly recommended to use a credit card while shopping online, as their protection goes as high as $500.

No matter if you’re shopping online or not, the fact is that at one point or another, you will need to insert your credit card information. Thus, it is paramount that you take proactive measures such as those listed above to make sure that you are protected from hackers.

Here’s another article you might like: How to Be Smarter About Using Your Smartphone

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