Some Great Tips for Safe Shopping Online

Online shopping has made shopping convenient and quicker than ever before. Online shopping offers amazing cashback discounts and a wide variety of products for selection. It saves you from the mob and contributes to a cleaner and greener environment.

There are usually no shipping charges and in a few clicks, the product is delivered right at your doorstep. If you do not like the purchased item, you can always return it back and purchase something else. Gone are the days when you actually had to get dressed to go to the mall. Now, you can buy items right from your sofa at home.

Online shopping also provides you the privilege of shopping from other countries, without actually visiting them. Just log on to the e-store of your favorite retailer and shop away without worrying about a thing. Online shopping has changed the face of the modern shopping industry. It has increased sales and has provided customers with a pleasant shopping experience.

Online shopping also helps you to become a compulsive shopper, rather than an impulsive one. The environment of brick and mortar stores is alluring. You end up spending money on items you do not need and you cannot afford. Since online shopping is done from home, you are not carried away by seeing a new item. You are in control of your spending habits and make a purchase after repetitively thinking if you need the product or not. Online shopping has so many pros that are almost impossible to sum them.

However, online shopping can be insecure at times and you need to follow strict guidelines to make sure you do not fall victim to fraudulent transactions. There are many fake websites, claiming to be online banks, whereas in reality they are only trying to steal your credit card information.
You should not let your guard down while shopping online and beware of your surroundings at all times. Using some common sense and being proactive can save you major trouble. Some websites are especially designed to take advantage of unwary shoppers. While trying to grab bargain, make sure you do not fall prey to any of such hoax websites.

The internet can be a dangerous place sometimes, with a large number of cyber criminals trying to trap you at all times. A few precautions will help you become a smart shopper and you will hardly take any time to detect a cyber criminal.

We share with you some tips for shopping safe online. Just follow these tips, implement them and see how enhanced your shopping experience becomes the next time you shop for anything online:
Some websites can deceive you by being a business, whereas they are just fraudulent websites. Others can lead you to download spyware software on your system and can access all your personal information. Many modern sophisticated hackers can abuse customer databases to gather customer payment information.

These guidelines are easy to follow and once you start practicing them, you cannot shop any other way. So, read on the following and see what you should strictly consider before you start buying items online.

Research about your retailer

Make sure you research carefully about the retailer. It is best to purchase from a popular online retailer. But if you are making purchase from an unknown one, read online reviews thoroughly before buying an item.

Also, some positive reviews may be unreal, so use your common sense and try your best to differentiate between real and fake ones. Some of the retailers are stamped an antivirus provider. These retailers can be a good choice to shop from. Low ratings of a retailer are an indication that you should not shop from that particular store.

Beware of site links with misspellings, fraud retailers try to trap consumers by using a similar domain name. These sites may look luring, but this is a trick and such cyber criminals can deceive you into giving them your personal and credit card information.

Only use a payment portal with buyer protection

Try to swap a credit card instead of a debit card while shopping online. Although a debit card means you are using your own money. A credit card provides you more flexibility in case of a chargeback. A chargeback occurs when a transaction is invalidated and refund is provided to you as the buyer.
The chargeback can flagged by your bank in case of a fraudulent activity or can be initiated by the credit card holder, depending on the circumstances. It is also highly recommendable that you use a single use credit card number.

This allows you to protect your actual credit card number as the single-use credit card number is attached to your regular credit card number. This layer of protection serves well in situations, where there is a danger of losing your credit card information. This makes online shopping convenient and incase even if your account is hacked, your financial information is safe and not revealed.

Make sure the page you enter your credit card information is not encrypted

When using check out portals of online retailers, make certain that the web address has https instead of http. Https is an indication that you are using a safe method to send your credit card information to the reseller. The encrypted communication between the consumer and the retailer ensures that your credentials are secure, even if someone is trying spy on your transactions.

Make sure to log out and clear the history, cache and cookies, if you are using a shared computer

This is a common ground rule and this applies for almost all your accounts online. While using a shared computer make sure to log out and clear your cache and history, after you have finished your online purchasing. You never know the next guy using the computer can misuse your credentials, if he gets his hands on them.

Never provide your social security details to any retailer

Never give away your social security details to any retailer. If any retailer asks for your social security number to allow you purchase a product, then beware as they are just scammers trying to get hold of your credentials.
However, sharing your birthday cannot be a bad idea. It is just a part of piece of information; the scammer will require hacking your account. Sometimes scammers set up web pages with enticing deals. Make sure you are not lured by these deals, as they are just traps to deceive you and invade your privacy.

Make sure the online seller has a brick and mortar location

All popular and genuine retailers have online shops. If your merchant has a suspicious address, then you know that this is not the retailer to buy from. If you are making a purchase from another country, then it is all the more important for the store to have a physical presence otherwise it may be impossible or difficult to return the goods.

Read carefully the sellers shipping, exchange, refund and return policies

Read carefully to check if there are any escalated shipping charges or any other added fees. Some coupons lure you to sign up and join the coupon club. Do not make the mistake of linking to these coupons club as they may provide you discounts but can charge you a monthly fee.
Also, know the refund and return policy. Make sure you exchange or refund the item in the estimated number of days. Do not allow yourself to be surprised with some unread rules or regulations.

Read the privacy policy of the seller thoroughly

Read carefully the privacy policy and always select not to share your information with third parties. Also, it is best to create a separate email address to avoid cluttering your personal inbox with sales ads and other junk mails.

Shop on your smart phone

Try shopping from the app of the retailer or through the mobile browser. Turn off the Bluetooth if you do not use it. Also, set a password on your cell phone, so the phone automatically locks itself after a period of inactivity. Also, check if you are using a safe connection before transmitting your credentials to the retailer. In case you lose your phone, remotely wipe the data and disable the device. You can use Find my iPhone and Android device manager, for clearing our both iOS and Android devices respectively.

Evaluate and calculate the total cost

Consider the account shipping and sales tax before making any purchase. If you think, you might have to return the item, read the return, refund and exchange policy carefully. Try researching excessively before sealing the deal. It is not necessary that your favorite retailer will offer you the best deals at all times. There are times when you can have best deals elsewhere too.

Use a top-notch anti malware software


To secure your system from viruses or other attacks, it is best to install an anti malware software. Keep your malware up to date so it can tackle newly generated threats. Make sure the automatic updating feature is permitted to keep your system safe.

Can Cashback Rewards Help You Save More Money Than Your Saving Account?

Cashback is the fastest, easiest and most effective method of saving money. It helps you recover a percentage of the money you spend and in some cases you may recover the entire amount spent. Cashback savings are the recent rage in the market. The online shopping industry has made the consumer smarter than ever before. Customers now want to enjoy the best shopping experience. What could be more enjoyable then recovering all the money you spend on your favorite product?

The key to earning cashback rewards is that you treat cashback only as an added advantage and do not let it drive your purchases. Cashback rewards create a win-win situation for both the retailer and the customer. The retailer earns extra revenue and shares the cash with you. Majority of the cashback websites memberships are for free. You can easily sign up and start shopping.

Normally saving money in the account requires extra effort. You need to have willpower and a strong sense of finance management to save a chunk of your hard earned money. In short, saving money in a bank account is difficult. Whereas, cashback rewards help you earn and save extra cash without any extra efforts. You just need to carry out your regular shopping activity through the cashback website and you will save money, without any drama or hassle.

However, finding the right cashback deals and websites may be important. It may be time consuming, but it is worth the time spent. Cashback companies are easy to set up and may stop functioning any time. It is therefore important to invest with the best cashback companies only. Also, make sure to redeem your cashback savings as soon as you receive them. If the company stops working due to any reason, you might end up losing all your money.

Many people claim that cashback websites lay out a spending trap for the customer. This is not true. If the customer purchases only the stuff he requires he will not be lured by any cashback deals. Also, remember cashback deals offer no guarantees. They are just an added advantage. There is no surety that you will receive the cashback reward although chances may be bright.

Cashback websites offer rewards between 1% to 10%and some cashback websites may be generous and offer you 100% cashback. Some sites offer cashback on referring friends and family. You can purchase a large number of products and services through the cashback websites. These may include grocery, cosmetics, airline tickets, entertainment and dating services.

One disadvantage of cashback website is that they may take very long to pay. So, you will have to wait a while before the money is in your account. But many top cashback websites have also solved this problem and are paying out cashback rewards and earnings in a few weeks time. We share with you why cashback earnings are more beneficial than saving accounts. Read on to understand why it absolutely a must for you to have a cashback account and how to use wisely take advantage of these cashback sites

Use your credit card for daily household chores

If you use cashback sites or cashback credit cards for your daily household activities then you can easily earn and save more money than your saving accounts. For example if you have a $2500 in your saving account with an annual interest rate of 0.75 percent. Then by the end of the year, you will earn less than $20 of interest. You can save this much money by even skipping a cup of latte every alternate day.

Cashback sites, however, offer you 100% cashback. Just imagine purchasing the product of your own choice and getting back all the money you spent on it in the first place. This can be an ideal situation for every customer. Cashback credit cards also allow you cashback on three specific places in every quarter. These places include the gas station and the grocery store, which you will necessarily have to go once a week. So if you spend on at least two of these three specific places. The chances of receiving cashback are relatively high. This makes cashback sites far more profitable than saving account.

For example, if your cashback limit is $1500 then you will end up gaining at least $75 back in every three months. Now this is not a bad deal at all.

Pay in full

To earn maximum cashback, try paying the full bill at the end of the month. Use your cash back credit card to carry out your activities such as grocery and paying the electricity bill. Then use the cash to pay the full bill at the end of the month. This will help you score points and increase your chances of receiving the cashback.

Remember only charge stuff on your credit card, which you can pay off immediately. If you make purchases that you cannot afford, thinking that you will somehow manage at the end of the month, you will be putting yourself in an unwanted mess. Keep things simple and clear, while using cashback credit cards. These small purchases such as filling gas and buying out grocery are enough to help you increase your savings.

Always, keep in mind small steps taken to save money go a long way as compared to irrational ones. Try to be a compulsive shopper and do not be an impulsive one. Purchase only what you need and can afford. Your savings account may help you save what you earn, but only cashback sites can multiply your earnings.

Pay on Time

Try to pay your bills on time to avoid any late fees. It is best to set a due date, which you are sure to reach. Late fees will not only affect your credit history, but will also deprive you of the chunk of money you could have saved. Many cashback credit cards have massive late fees, which are accumulate with your credit, and then become hard to pay off.

Customers complain that cashback is a trap and the rewards are not easy to gain. Yes, it may be a trap for consumers who do not take care of the specifications, but the ones who follow the rules carefully can exploit maximum profit out of these sites easily.

Regular spending should be your prime goal. Never use a credit card to buy something otherwise you cannot, work hard and earn harder to buy the things you want and desire, instead of using a new credit card to buy more. Make sure you never pay interest on your savings as it is not rewarding.

Do not overspend

If you can control your spending habits that cashback sites are the place to be for you. You just simply cannot spend extra money through cashback websites. You need to list down all the items you need. Reason with yourself and then only log on to purchase on a cash back site.

Overspending is generally an ill habit that needs to be curbed immediately. Many people simply opt for items that offer high cashback. They completely forget that cashback is not a promise. It is an advantage, which you may or may not receive. You cannot take any unnecessary risk. You need to play safe at all times to make sure that your purchasing decisions are correct and bear fruit later on.

Understand how much cashback can you earn?

Take a pen and paper and do your homework to calculate how much cashback you can earn. You should have your finances sorted out to know exactly what steps you need to take to earn maximum cashback. People who shop impulsively with their cashback reward cards are more likely to lose money then save some. You need to be a smart shopper with your guards up all the time.

You simply cannot surf and purchase the deal that offers the highest cashback. This is a bad idea. Instead, surf through different cashback sites and choose the most economical deal, and buy only the stuff you require. In this way, even if you do not receive the cashback. You will not lose any money.

You will have the item you needed in the best price available. People who get lured by high cashback offers fool themselves and spend more money than they can afford, which is a bad idea.

Letting your money sit in your saving account, waiting for a year to end, so you can enjoy the interest is a not a very good idea. With low interest rates, you may not even feel that you have earned any money. Cashback earnings are sometimes up to 100 %also. They can double your amount in no time, if you shop intelligently.

 

So get your cashback credit card today and enjoy savings from 5% to 100% . You can earn money or rewards through both cashback sites and credit cards. So get up, get going and get yourself registered to a cashback site today