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By Pinaki Ghosh

Once you take the plunge into the internet marketing business, mostly your mode of payment would be via the credit cards to make the online payments. It’s not always secure to make online payments through the credit card.

You can follow some of the tips from experts on online credit card safety:

• Truly, encryption technology means online transactions can be much safer than using your card over the phone or by fax.

• But the buying must be done from the secure sites only. A small closed lock symbol towards the lower, right side of the site (Internet Explorer), or an unbroken key on a dark blue background at the bottom of a site (Netscape Navigator assures that the site is protected. It also means that your credit card, and purchase information is scrambled over the net; which means your credit card information is safe. But the FTC (Federal Trade Commission) reports that these symbols can be duped also.

• It’s not safe to pass on your credit or debit card info out via email, nor use it as proof of who you are.

• In case of getting any deals do the needful with only known companies. If it is a little known company, ask for their printed documents for your records.

• Mostly you must pay through a third party between you and the merchant, like Pay Pal, rather than directly giving away your credit/debit card information to the merchant.

• In case of doubts, take strict and swift action. You must not ignore to report to the bank immediately.

• Go through your statements and be sure that the amounts shown are yours. At times it may happen that the business name is different from the brand name, and what looks like an unauthorized transaction, may really be your transaction! Be careful!

• If you’re assured that the amount was not transacted by you report the card as stolen to the company, and also to your bank. Even if you still have the piece of plastic, someone else has the numbers. So it’s stolen, anyway.

• Use complex, alphanumeric (combination of letters and numbers) passwords for online accounts. Do not use your personal information like wife’s name, son or daughter’s name, your own nickname, your car number, your phone number etc. for such accounts. There are chances that whoever is using your account is acquainted to these details too.

• Try using just one card for the transactions.