Online shopping tips
Credit cards have been widely used for online shopping even in Indonesia although many people are still reluctant to make purchases over the Internet due to the lack of legal protection. Below are important tips provided by MasterCard International on how to prevent Internet frauds.
- Guard your personal information. Do not provide information that you are uncomfortable giving.
- Never give anyone the password that you use to log on to your online account or Internet Service Provider.
- Do not provide financial account information unless you are paying for a purchase using that account.
- Check the seller's reputation. Learn as much as you can about companies or individuals before you do business with them.
- Ask your friends about their favorite online merchants.
- Bear in mind that just because a seller has no complaints or a good reputation, it does not guarantee that things will go smoothly for you.
- Consider taxes and shipping costs. There may be taxes or duties on your purchase, especially if the transaction is international.
- Factor in shipping and handling charges as well to determine the total cost.
- You may also have to pay for shipping if you want to return the item.
- Ask about insurance. Will the seller pay to insure the shipment, or is it your expense? How much does it cost? Is other insurance available to protect you if you do not get what you paid for or if you are dissatisfied? Some auction sites provide insurance to buyers. Be sure you know how insurance programs work and how much they cover.
- Use an escrow service. When dealing with individuals or companies that cannot accept payment by credit card, escrow services can provide protection. They hold your money until you have confirmed that you received the product or service and then release the payment to the seller. There is a small fee, but the peace of mind is worth it.
- Keep records. Print out all the information on your transaction, including the product description, delivery information, privacy policy, warranties and any confirmation notices that the seller sends you. -- The Jakarta Post