You won't find a more enthusiastic online shopper than me.
Clothes, wine, kitchenware, pet food--if it's available online, I've probably
bought it there. In fact, I've purchased so much stuff on the Web over the
years that my UPS driver waves when he sees me on the street.
I buy most of my gifts online, too; and as we enter the home
stretch of the holiday season, I'll have more company than ever. Who wouldn't
prefer pointing and clicking to trudging on foot (sometimes in inclement
weather) from store to store and braving long lines of fellow shoppers?
Of
course, seasoned buyers occasionally encounter dubious shopping sites, and the
general state of leaky security should encourage anyone to be cautious with
credit cards. True, the credit card fraud rate, once as high as 0.15 percent,
has been holding steady at about 0.06 percent for some years now, meaning that,
for every $100 charged on credit cards, only 6 cents goes for unauthorized
purchases. And if you ignore phishing e-mail and scrupulously shop at reputable
sites with secure servers (look for https: at the beginning of the URL), you're
far less likely to lose your credit card information online than to someone who
captures the data by swiping the physical card through a skimmer. Even so, you
can take these steps to make your online shopping trips safer still.
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