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Shopping Smart online

Shopping Smart online

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Shopping online is always a more convenient way of purchasing items from the comfort of your own home. Whether you are doing the weekly grocery shop, treating yourself to a special gift or booking your next holiday, shopping online has become the new normal in today’s society. With this growth in online shopping, the risk of internet scams on shopper’s credit cards and bank details is on the rise.  Here are some tips to help you stay safe when shopping online. 

Before making a purchase 

We recommend researching the business or website about their products or services before handing over your payment details. There are fake online shopping sites that scam shoppers into purchasing items that never get delivered. If the website looks suspicious or you’re not confident about sharing personal payment details, don’t make the purchase.   

Making the payment 

When you’re ready to make your purchase payment, only pay for goods within the websites official payment system. Only scammers will ask you to pay up-front by sending your bank or credit card details through a different website, so always check the websites URL. 

What to do when things go wrong 

When making any purchase whether it be online or in store, you should be aware of the terms and conditions of your purchase before you buy. 

Always check for:

  • The total cost of your online purchase including currency conversion fees, shipping and handling and taxes.
  • The expected dispatch and delivery times.
  • Warranty, refund and cancellation policies.
  • Any hidden or extra costs that may only appear when you checkout your order. 

It is good practice to keep copies of any receipts, payment confirmation, emails, documents containing payment information and order confirmations. This will assist you if ever something goes wrong with your online purchase.

If you think you have been scammed, there are steps you can take to limit the damage and protect yourself from further harm. You can contact your financial institution; they can assist you with making changes or closing your account if the scammer has your account details. Reporting the scam to the police can help protect other people from experiencing the same scam as you.

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