10 Simple But Effective Tricks To Protect Your Credit Card Online

Earning money is hard but losing money in your credit card is even harder. Each day the cases of financial fraud continually increases. In that manner, credit card holder must arm themselves with knowledge on how they are going to protect your credit card online.

According to ShiftProcessing.com there has been 24Billion Dollars in losses because of credit card fraud worldwide in 2018. 39% of those fraud came from the USA and those number are not stopping their.

There has been a rise of credit card payments online this year. 69% of fraud starts with a consumer being done by phone alone. But worry not here are the simple steps you could do right now to include you from these numbers. Now here are the 8 most basic tricks you can make to protect your credit card from online predators.

The following are 8 tips to protect your credit card details online:

Learning the Basic

In life or even when it comes to protecting our credit cards, before we can proceed any further, we need to learn first the basic. These includes securing your phone, personal computers as well as your connection to the internet. Making sure that your operating system is up to date and putting strong password in your device are also part of the basic things you need to know.

Basic Security

  • Have an updated Anti-virus software on your PC – having an anti-virus software blocks 99% of attacks! Make sure to have one!
  • Make sure to only connect to a trusted WIFI connection when you are away from your home or own data connection.
  • Don’t let anyone unknown use your mobile phone. They could be hackers you know!
  • Always update your PC / Laptop with the latest security enhancements. Windows always release those updates.

#2. Keeping Account Number Private

Thief always look for ways to get hand on your credit card number. To get rid of this you need to keep your card private especially when you’re out in public. Do not make transactions over the phone where it involves giving your account number or personal information. Although it’s coming from reputable company, still you can’t trust anyone.

  • Don’t share your account number to anyone. Especially online when you don’t trust the transaction.
  • Don’t take a picture of your credit card and show it online!

#3 Use Fake credit card details on Untrusted websites

This is probably the most sneaky method on how you can hide your financial details on untrusted websites. The use of fake credit cards are very common among people who are deeply aware of the dangers of use of your real credit card details and entering it on a random website which you are not even sure if its a legit website. There are numerous websites offering this kind of credit card details. Among of which are the following trusted websites:

Generate random credit card details using the following websites:

#4 Updating information from time to time

If you happen to change any single information such as your phone number or email address, always make sure to check if your account is also up to date. It is important to know if your account still follow your recent address and provides you notification of its movement. Signing up for fraud alerts can also be a good idea to give you updates of whatever happening in your account. This way, if anything goes wrong you will be aware and can make actions quickly.

  • Update your mobile number for more secured transaction. Often banks will ask you if you have an updated mobile number.
  • Enable two-factor authentication so that every transaction you will get double the verification.

#5 Minimizing online shopping and Payment accounts

Online shopping

Due to the increase of higher technologies and scarcity of time, people are well-satisfied shopping and paying bills online through the help of their mobile phones and computers. However, you need to do it safely because the chip cards have fraudsters’ online, waiting to steal and raid your bank accounts. It’s not easy to get rid of online shopping since it become a regular routine particularly to women but in when it comes to  making  your account safe, limiting  yourself from online shopping can be of help. If in case this thing is hard for you, just try to select shop with big retailers and watch out for fake sites.

  • Don’t shop on untrustworthy websites.
  • Don’t use your credit card right away.

#6. Changing Passwords Regularly

Changing passwords regularly

One way of protecting your credit card details is putting a hard- to -provoke passwords on your account. Using common passwords like “I love you”,”000”,”123” or even passwords that has connection to your personal information like your birthdate and year are not advisable. It would be better also if you consider getting Password Manager to generate strong passwords and Password Checker to regularly check your password.

#7. Adding up another layers of security

Aside from typing your password anytime you’ve got to have transactions, it’s highly recommended to set up multi-factor authentication into your accounts. Meaning, you can enter code that is connected to your phone number or email address to verify and validate process in your account.

#8. Creating alerts on your accounts

Have an alert on your credit card

Every companies who issue credit cards offers free account alerts, make sure to at least avail one. This can be beneficial to you in providing safety usage of your credit card. For instance, you can set a text or email alert for any purchase in any amount or any time you make use of your card.

#9 Applying safely any credit card offers

As part of fraud acts, there are a lot of messages sent in your email account. This include offers that targets your bank account. Before considering any of it, it’s best to call or visit your card issuer to have some advice. You can also choose not to respond to offers via emails, but if you are really interested with the offer, do the research and check its background features and reliability.

#10 Checking credit reports

The best way to protect your account and making sure no new accounts have been opened in your name by other people is to check your credit report regularly. This is essential for the reason that it will give you timely updates and records happening in your account.

There are many ways on securing your credit card details online but most of it comes from intelligence coupled with someone’s common sense.

How To Protect Your Identity Online

Imagine getting suspicious looks while you are on the street. All of a sudden someone comes to you and charges you of sending inappropriate messages to them. It may even be someone you know.

Then, you remember that your social media account got hacked recently and you have no idea what has been going on in there. A nightmare, isn’t it? However, such cases are quite common these days.

Hackers can do almost anything if you are not careful enough. In fact, even if hackers do not want your information, you can give it to them by not being careful enough. This is why you need to know how to protect your identity online.

Getting social media accounts hacked is not as bad as a criminal knowing your bank information. However, there are many times when you have to type such sensitive information online.

Criminals are using more and more advanced methods to hack your personal information. The least you can do is know how to protect yourself. So, here are a few tips on how you can hide your identity.

How To Protect Your Identity Online: What you can do.

Keep your Devices Safe From Unauthorized People

Unathorized people accessing your data

If you leave your phone or laptop unprotected here and there it is like an invitation to your hacker. Therefore, the first thing you should assure is that your phone or laptop does not get in the hands of someone who can be harmful.

Secondly, there are times when you cannot help but lend your devices. For such cases, you can password protect your devices. Apparently, passwords are quite easy to crack as well. As a result, a better choice would be to use a form of biometric authentication like a fingerprint, face recognition or iris recognition.

Do not leave your phone and laptop here and there because what you kepe there and kept there will always be there and hackers will get to it.

Generate A Fake Identity Online

Did you know that you can easily generate fake identity online without getting on hard coding skills? There are websites that offers free fake identity generator software. These software automatically a random identity or the identity per users chosen info.

Use Anti-Virus and Other Protection Software

antivirus software to protect your device

Right after you got your laptop or desktop make sure it has a working fully activated anti-virus software. This is a must-have tool and number 1 on your software list to install. The internet is a vast place and it exposes you to a lot of bad things as well. On top of it, if your computer or phone does not have a protector to fight all these then you will be gone long before you know it.

You are basically exposing yourself in the internet if you don’t have an anti-virus software. Anti-Virus software is a must for any phone or computer. Without it, your information is like a dessert without a cover.

This peace of software will alert you when a virus is trying to infect your device, and will automatically remove anything malicious in its eyes.

Keep your Privacy Settings in Check.

privacy settings

Have an endless number of accounts online and cannot keep track of which password you used for which? Did you end up using the same password for every one of them? Not cool.

This is how you do not just expose one account to your hacker but everything that you have. Your bank information, credit information, etc. Because if your hacker figures out one, he figures out the rest.

Therefore, never use one password for all the accounts. Moreover, never use something others can totally establish with you. Use punctuation, numbers, and letters in your password to make it as strong as you can. Also, make it long.

Apart from that, always check your privacy settings. This will cover things like who can see what and more. You can also control which devices can have access to your account and which will need authentication.

For example, if you set this, FaceBook sends you a code to your email or phone to confirm that the login was by you.

Never Click Suspicious Looking Links or Images

suspicious links and images

This is a huge one. Most of your information goes to the hacker when you click an unprotected link that you trusted too easily. You may get these links in your email, messages or anywhere on the internet.

But, never click directly on it. You can try typing the website name to find the website yourself if you need to. That is a much safer way to not give your information to hackers. Here are some examples of a click bait https://adespresso.com/blog/clickbait-facebook-advertising-examples/ . Now, I am not telling that all click-baits are suspicious I’m just telling most of them are. LOL

Click Bait Explanation

Don’t Fall for Phishing Hackers.

Phishing personal data

You will often receive emails from sites or profiles that just seem authentic. It might be a store asking for your information or even a bank. Yes, a bank as well. See how dangerous things can get? Phishers are actually getting smarter day by day. As the world progress so they are. Thankfully, we have antivirus software that detects most of them. Yes, “most” of them and not all of them! There are some very clever phishers out there.

Email Phishers

If these emails make you visit a site and then provide information then just do not. Go to website yourself by typing the address. This is quite a common scenario when you are paying online. Be very careful because this is how most information gets leaked.

Be Careful When Paying Online.

paying line with credit card

You do not even have to physically go to the mall nowadays to buy what you need. All you have to do is select from the list online and pay for things, even bills. However, you do not want to find your account all empty suddenly one day, do you?

But, you are giving your credit or debit card information online and that is a huge risk. There are even fake sites that demand it from you and boom! You are the most vulnerable citizen. However, you can combat this problem by first, never clicking on links.

TIP: Check the address. Always give your information only on sites with https rather than HTTP. The extra ‘S’ is for security. So, https is definitely more secure than other sites.

If you don’t totally want to get involve on a suspicious looking website but wanted to try anyway, you can try adding a randomly generated credit card complete with fake details here. Now, these credit card numbers aren’t real at all but you can try them though.

Always be aware.

Chances are if you are unaware, your bank account is getting empty without you even knowing it. This is why you need to be aware all the time about things going wrong. For example, you may be receiving weird texts or messages.

This might imply that something is being done from your account. On the other hand, it is essential you check your credit card usage as often as necessary. If you find any purchase or withdrawal you cannot account for, it’s time to consult with experts.

Among death and many other things, one of the greatest fears of today’s world is being a victim online. However, like you take precautions against the fears, the precautions against online hackers are more effective. This is why take the necessary steps to protect your identity online and let the rest be.

Chances are with you knowing how to protect your identity online, you are free from online crimes itself.