Shop Smart on the Internet
Minimise your risks while doing e-shopping.
As online shopping becomes more popular, it's important to take extra measures to protect your personal and credit card information. Here are some useful tips.
Use a Secure Browser
Netscape Navigator version 4.0 (or later), or any version of Microsoft Internet Explorer, provides you with an added level of security, called SSL. SSL automatically encrypts, or scrambles, your order and payment details before sending them to the merchant, ensuring your privacy and the integrity of your order. To ensure the merchant you are visiting is using this security measure, look for an unbroken key or a lock in the status bar at the bottom of your browser window. The internet address on the location bar should have an "s" after the "http" e.g. https://.
Compare product attributes and prices before buying
Instead of trekking from store to store, you can use the internet to point and click your way around the world from the comfort of your home and find the items you want at the best value.
Keep your password secret
Some online merchants require you to register a user name and password along with your payment card details before buying an item. This password can be used to authorise purchases from that merchant, so treat it as carefully as you treat your PIN for using ATMs.
Know the difference between buying from a business and buying from a private seller
With the expansion of online classifieds and auctions, it's now more common for individuals to be selling goods themselves via the internet. While most private sellers are legitimate, your legal rights with an individual may not be the same as with a business.
Check delivery and return policies on the merchant's home page
Make sure you can return unsatisfactory items and check to see if you can get your money refunded or if you will receive a merchandise credit. Sales policies should cover the delivery methods and cost of delivery, currency accepted, taxes applied, return and refund policy and a contact number or e-mail address.
Use your Maybank Visa/Credit Card to shop online
You'll receive the same benefits of Cardmember protection as you do today in the physical world. When you shop at an online store based in another country, Maybank Visa will usually provide you with the best exchange rates available.
Shop with reputable merchants
Not familiar with an online store? ?then take the same precautions as you would with traditional mail and telephone merchants. Ask friends for references or contact your local consumer protection agency.
Keep a record of your transactions in case you need to return or exchange an item
This record should include the merchant's internet address, and either an order confirmation number or an e-mail confirmation that summarises the price and quantity of a purchase. Print and save a copy of this information.
Your payment card is for purchases
Do not provide your card details to any website asking for them for any other purpose.