your credit cardToday, the Internet gives us truly amazing opportunities. We do not really realize how lucky we are to live in the 21st century. I think most of you will agree if I say that the Internet is the most important invention of the 20th century. There are so many opportunities and chances the Internet gives all of us. In fact, we are not fully conscious of all the business and career opportunities the Internet provides us. Those, who have already realized some of them, are already making business on the Internet. Apart from the online business, the Internet lets us shop fully internationally. Today, if you have a credit card, you can buy almost everything that exists on the Web. Of course, your buying abilities will be always limited by the amount of money your credit card has. However, if you have enough funds on your credit card, you will be able to buy products from all destinations of the world. This is one of the biggest advantages of online shopping. In fact, I have already forgotten when I last visited an offline boutique or a shop. Today, I shop only in the cyberspace. It is very convenient for me to make purchases directly from my laptop. Online shopping saves a lot of my time. What is more, online shopping is always more luxurious and exclusive than the offline one.

While making online purchases, you are always required to provide your credit card information. Of course, you can easily avoid it if you use PayPal in your online transactions. At the same time, not all the international online stores accept PayPal payment. Therefore, in some cases, you will have to provide your credit card information in order to complete your purchase. I realize that using a credit card can be very risky. Actually, if someone knows about your 14 digits credit card number, your name and surname, the date when your credit card expires, and the 3 digits number on the back of your credit card, he will be able to use your card to make online purchases. This means that your credit card information is strongly confidential. You should never disclose it. Online shopping is not the only situation when we use our credit cards. If you are a fan of credit cards, you will definitely use your credit card in supermarkets, offline stores, and boutiques. While using your credit card offline, you will also have some risks to get your information used. This is why you should be aware of some good rules that will let you protect your credit card information.

A few days ago, I was thinking about the best things all of us can do in order to keep our credit card information in secret. Having credit card info confidential is very important in order not to get our fund stolen by the third parties. In the result, I developed some effective steps that will let all of us protect our credit card information. I decided to write a detailed blog posts in order to share my recommendations with you.

1) USE PAYPAL

PayPal is one of the best online payment services that exist in the world. Of course, PayPal has loads of fans and haters. Even God has some haters. Therefore, we should not judge the quality of a company due to the number of its haters. Everything truly great will always have enviers and haters. Although PayPal has a lot of negative sides, its positive aspects cannot be neglected. In my previous blog post, I have explained some of the most significant reasons why I use PayPal. My financial security is one of the reasons why I use PayPal. While using PayPal for online purchases, my credit card information is always hidden. Nobody except PayPal knows my 14 digit credit card number and other credentials. PayPal is an enough trustworthy company to let it know about your credit card information.

When you open a PayPal account, you will be able to link as many credit cards as you want. PayPal will be given all the credentials of your credit card. While using PayPal on different online stores, you will be solely obliged to login into your PayPal account and make a transaction. Thus, none of your online stores will know about your credit card credentials. As you know, PayPal transactions are carried out through your email address. Hence, your email will be the only thing your buyer will know about you.

Using PayPal during online shopping is one of the best ways to protect your credit card information. At the same time, not all online stores accept PayPal. For this reasons, I will give you the second tip that will let you protect your credit card information without PayPal.

2) USE ONLY TRUSTWORTHY ONLINE STORES AND SERVICES

Online shopping is not the only situation when we use our credit card information on the Web. If you are an online entrepreneur or freelancer, you will definitely purchase different services online. For example, I am a webmaster. Sometimes, I need diverse software and plugins for my blog. Also, from time to time, I hire professional specialists to help me with my online business. Thus, o9nline shopping is not the only case when we need a credit card.

Whether you buy something from different online stores or you order different services online, it is always important to deal with authoritative and trustworthy enterprises. While using your credit card to buy something on Amazon, you can be absolutely sure that your credit card credentials are absolutely secure. Fiverr, ThemeForest, AudioJungle, and famous hosting companies are also very trustworthy services. Even if you provide them with your credit card information, you will be absolutely safe. Whilst famous and respective services protect your credit card information, you will be less secured while dealing with new and unknown online companies. If an online store is new, you know nothing about it, it is very probable that you will have some risks if you use your credit card in this situation.

The online sphere is very risky. It is also anonymous. These factors make the Internet an ideal zone for financial criminals and fraudulent personalities. You should be aware of these aspects. Do not trust new online stores and services.

3) USE CASH TO SHOP OFFLINE

While making offline purchases, you won’t necessarily need a credit card. If you have a credit card, you will be able to get your cash almost everywhere. ATM terminals are widely spread all over the world. It is not too difficult to insert your credit card into the terminal and then, get as much money as you need. This is why I recommend using cash while shopping offline. I never use my credit card to buy something in a supermarket. There is no necessity to do it.

The offline sphere is not less dangerous and risky that the Internet. If you want to visit different stores and boutiques of your city, you won’t unavoidably need to use your credit card. Get some cash and start shopping offline. This is one of the best ways to protect your credit card information.

4) KEEP YOUR CREDIT CARD IN YOUR WALLET

My credit cards are always on my table. Nobody enters my room. I have no guests, friends, or girlfriends visiting me in my flat. Therefore, I do not worry about the security of my credit cards. If you are put in the same situation, you can put your credit cards wherever you want. You can throw them on your floor, put them in your bathroom or in a toilet, stick them to your walls,  and do many other things. There is nobody to see your credit cards. It is very likely that your parents won’t be interested in your credit card credentials. Also, it is very probable that all of them already know about your credit card information. However, none of them will use it without your permission. Thus, keeping your credit cards in your house is absolutely secure if your house is not frequently visited by alien people.

If you travel much, you will need to have an absolutely different strategy to protect your credit card information. If you move from one place to another, it is always better to keep your credit cards in your wallet. Here are some of the reasons. When your credit cards are in your wallet, nobody sees them unless they open your wallet. A wallet is a very private thing. It is very credible that nobody but you touches your wallet. Secondly, your wallet is always in some of your pockets. This adds more security levels. A good wallet is always the best place to keep your credit cards in.

 5) DO NOT GIVE YOUR CREDIT CARDS TO ANYONE

This tip may sound very obvious and banal. Though, I want to warn you from giving your credit card to anyone. Whether it is your girlfriend or a friend, I strongly recommend you not to give your credit cards. A credit card is a strictly confidential item. It firmly belongs to you. Furthermore, a credit card is not something that can be called as interesting. A credit card is not a gadget, a smartphone, or a laptop. There is nothing to look and admire on a credit card. Therefore, none of your surrounding people have reasons to take your card unless they are interested in your money.

It is very important to protect your credit card information. To withdraw your cash from an ATM terminal, you will always need to enter your PIN code. While buying something online, you are never required to enter any PIN codes, passwords, and other secret characters. Your credit card information is the only thing that lets you spend your money. This factor has both advantages and risky sides. It is very convenient to use your credit card without any PIN codes and passwords. On the other hand, it becomes very easy for criminals to financially benefit from your credit card credentials. For this reason, do not neglect all the above-mentioned recommendations in order to protect your credit card information.

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Written by BAHTIYAR