Online fraud is an increasing problem that can be
avoided. Every year more and more people shop
online, and every year seems to bring more ways
to trick unsuspecting buyers. This report was
written to help protect you as a consumer.
Following the guidelines set in this report will
protect you from most types of online fraud, and
help you recover in the event that you are taken
advantage of.
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Before You Buy
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Before you buy anything online, review the
store?s refund policy. Make sure they will accept
returns on defective or wrong items. Also, see
how long the return period is, usually, it is 30
days.
Review the store?s privacy pollicy. You want to
know that your information is being handled
responsibly before giving it to anyone.
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During Check Out
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Plastic or plastic? During the checkout process
you will be given a few payment options. Of
these, you will probably see credit or charge
cards. As you know, if someone accepts credit
cards, they also accept debit cards. Debit cards
are not the same when it comes to limiting your
liability for fraudulent use. Debit cards are
fine for most things, but not online purchasing.
Credit or charge cards are the ideal way to pay
online. If you pay by credit or charge card
online, your transaaction is protected by the
Fair Credit Billing Act. Under this law, you have
the right to dispute charges under certain
circumstances and temporarily withhold payment
while the creditor is investigating the disputed
charges. In the event of unauthorized use of your
credit or charge card, you generally would only
be held liable for $50 worth of the charges.
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