Credit Card Fraud Prevention Advice
|Author: Anne Tugwell||Published: 8th September 2011 12:33|
The majority of Internet card fraud involves a criminal obtaining genuine card details in the real world that are then used to shop online. Consumers can minimise the chances of becoming a victim by keeping card details as secure as possible.
- Only ever use a protected computer. Make sure your computer has up-to-date anti-virus software and a firewall installed. Visit www.getsafeonline.org for more information.
- Avoid using public wi-fi zones or shared computers.
- Keep your cards and card details safe in the real world. Most Internet fraud happens because card details are stolen in the real world and used online, so keep them safe at all times.
- Sign up whenever you are given the option whilst shopping online to Verified by Visa www.visaeurope.com/verified or MasterCard SecureCodewww.mastercard.co.uk/securecode. Increasingly when you go to pay online with your card you will be given the option of signing up to these schemes that involve you using a password. By signing up you will prevent a fraudster using your card details on participating sites as they will not know your password.
- Only shop at secure websites that provide secure payment. Ensure that the security icon – the locked padlock or unbroken key symbol – is showing in the bottom of your browser window before sending your card details. The beginning of the retailer’s Internet address will change from “http” to “https” when a purchase is made using a secure connection.
- Make sure your browser is set to the highest level of security notification and monitoring. The safety options are not always activated by default when you install your computer. The most popular browsers include Microsoft Internet Explorer, Firefox and Opera. Check that you’re using a recent version – you can usually download the latest version from these browsers’ websites.
The National Fraud Authority has created Action Fraud, the UK’s first national fraud reporting centre allowing the public to join the fight against fraud.
Warwickshire Police encourages anyone in the county who has been scammed, conned or defrauded, to report it to www.actionfraud.org.uk.
Dr Bernard Herdan, chief executive of the National Fraud Authority said:
"Fraud, of any value, is a serious crime that devastates lives and often funds more organised crime like drug smuggling and people trafficking.