Online shopping tips
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