• Don’t share your account details with other people.
Sharing usernames, passwords, secret codes and personal identification numbers or PINS is a big NO-NO, especially if you use your accounts for shopping and banking online. After all, such habit can increase the risk of having unauthorized parties gain illegal access to your banking information, online shopping carts and credit card details.
This is why we encourage you to keep all these things to yourself. Aside from this, we remind you to always logout of your online accounts – in shopping sites, e-mail, and social networking media – so that no one can use them, without your knowledge.
• Make it a habit to check out the security features of a website or webpage before disclosing any sensitive information. This is especially true when applying for online loans as well as when filling out forms to process and complete transactions. Always remember that not all sites nowadays are equipped with excellent security features, which will help protect you from hackers and from the malicious software they use to spy on your online activities.
So before filling out and submitting forms, take the time to look for these three common indicators of online security – the code https in the URL bar, the padlock icon in the URL bar or at the bottom of the webpage and the logo of organizations that offer accreditation for online security, like VeriSign.
• Steer clear from using public computers when transacting business online. Keep in mind that public computers are prone to the attacks of hackers. After all, these computers tend to have weak firewalls and outdated anti-virus and anti-malware programs.
Hence, when banking and shopping online, we recommend that you use ONLY your home computer.
• Keep all your installed programs up-to-date. Have a regular schedule for updating the anti-virus, anti-spyware, anti-malware and other related programs installed in your home computer. Always remember that they serve as your first line of defense against the usual threats to your online security.
Still, you should note that the free programs available online only offer minimal protection against computer viruses and malicious software. So it would still be best to buy and install licensed programs to make sure optimal security.
• Use only the websites of credible banks, lending firms and online vendors. This is because a majority of these sites are equipped with state-of-the-art mechanisms that guarantee the security of online clients and the confidentiality of the information they share and transmit via the internet. In fact, some of these sites can offer the highest level of guarantee for consumer security and anonymity, most especially when transacting deals through the World Wide Web.
• Always rely on secured payment channels, when purchasing items or booking flights and accommodations online. For instance, you can use your credit cards to finance your purchases and bills – especially now that most card programs come with limited liability privileges that will help protect you from unauthorized or fraudulent charges. You can also use secured payment media like PayPal or electronic money transfers to settle your bills and to pay for the items you bought using from a shopping site.
About Author – Emma Lee is a financial consultant and a freelance writer. She has more than 15 years of experience in helping consumers find the best credit card accounts as well as in helping them make smart decisions when shopping and banking online. She regularly contributes articles to http://securedcreditcardsite.com/blog to provide readers the latest information on various finance-related topics like credit cards, secured personal loans, and even identity theft and credit fraud.