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Credit cards on Internet

 
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I persoanally avoid using credit cards on internet transactions. How safe is it to use on phone (Phone banking etc.)?
 
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and how safe is it to hand your credit card to a waiter in a restaurant?..

Lets face it theres plenty of ways people can rip off your credit card number and the internet is not necessarily any more or less dangerous than any other method. Theres risks involved in anything - you just gotta try and look at things reasonably.

I still think generally speaking theres less risk to you using "plastic" than deciding to operate your life by carrying round huge wads of cash all the time!
 
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Use Linux whenever buying anything online.
 
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Originally posted by Gerald Davis:
Use Linux whenever buying anything online.


Gerald, You are joking, right!
If not, how does just using Linux makes it more secure to shop online?
[ August 16, 2005: Message edited by: Sonny Gill ]
 
Gerald Davis
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There is a lot of spyware and viruses on windows systems isnt there bro?.
[ August 16, 2005: Message edited by: Gerald Davis ]
 
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So equally you could say make sure you have a good spyware and adware detector installed... which is just as good.

My Credit Card was cloned in an ATM I used in Florida many years back.
They were quite cunning too, they only used it to make small purchases, it took me a few months to notice it in my statements.

I use my credit card a lot to shop online, the key is to use a reputable store such as Amazon and make sure the page you enter your details on is https and not http.
 
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Originally posted by Gerald Davis:
There is a lot of spyware and viruses on windows systems isnt there bro?.

[ August 16, 2005: Message edited by: Gerald Davis ]



Not on my XP install.

Once your credit card details sent out into the Wild Wild Web you have just as much visibility as to what happens to those details regardless which OS you used to run your browser.
 
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There is a tiny lock icon in the status bar of IE browser. For internet transactions, always make sure the lock icon is in locked state before you submit your credit card details. The secured sites usually encrypt the data before it is trasmitted on the net. Most of the bill payment web sites are secured. Never ever enter your credit card details (or other important details) if the site is not secured.
 
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Most (in UK at least) credit card companies insure a consumer against fraud / company going bust / non-delivery / damage etc. Buying with a credit card is the safest way to shop in my opinion.

My parents bought an expensive bed from Courts in the UK with their credit card - the company went bust before the bed was delivered - the credit card company refunded them - people who paid cash lost their money.

With regard to buying online - I have yet to meet a computer who wants to commit fraud. Most major online retailers use automated processes to process credit card transactions and people within the business will probably never see your card number.

Comparing that with handing your credit card to a spotty teenager in a store, I know that I for one would rather trust the computer with my credit card number.

The danger is unsecured web transactions and poorly written eCommerce applications which let hackers steal your information - but let's be honest, a hacker can break in to a company's internal network and get your data as well.
 
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The only time my family has ever had a credit card mis-use is when we used it at a restarant. we were members of their "frequent diner" club. when you used that program, they'd print your name, address and phone number on the receipt. So, when my wife charged diner, they had all the info needed to make a purchase.

fortunatly, the store called us to inquire about our transaction, since the "ship to" address was different than the "bill to" address, and it never went through.
 
Gerald Davis
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Originally posted by Paul Sturrock:


Not on my XP install.



How about viruses and spyware that have not been registered to antivirus company. Antivirus software will not detect any virus that I create if I designed it for single use.
 
Angela Poynton
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Originally posted by Gerald Davis:


How about viruses and spyware that have not been registered to antivirus company. Antivirus software will not detect any virus that I create if I designed it for single use.



Nothing is 100% foolproof obviously. But I think the benefits (as described above) far outweigh the minimal risk.
 
Paul Sturrock
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Originally posted by Gerald Davis:


How about viruses and spyware that have not been registered to antivirus company. Antivirus software will not detect any virus that I create if I designed it for single use.



I don't rely on AntiVirus software (though I do use it). AntiVirus software can only ever be playing catch up with the virus writers because of how they are written. Far better to monitor the behaviour of your PC rather than relying on looking for known dodgy software.
[ August 22, 2005: Message edited by: Paul Sturrock ]
 
fred rosenberger
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Antivirus software will not detect any virus that I create if I designed it for single use.


Niether will Linux...
 
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"SachinBhai",

Welcome to JavaRanch. We don't have many rules here, but we do have a naming policy which we try to strictly enforce. Please re-read this document and edit your display name in order to comply. Thanks in advance, and we look forward to seeing you around the Ranch.
 
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I use my CC's on the internet quite a lot. So long as the site use a secure connection that I can verify, I'm pretty comfortable. I can track my transactions by email confirmations, so if I ever were defrauded it seems a simple matter to match up what I did order to my bill. That hasn't happened to me yet, but no credit card company that wants to keep customers is going to force you to pay for something you didn't authorize.
 
Michael Ernest
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Originally posted by Gerald Davis:
Use Linux whenever buying anything online.


Strange advice, since Linux knows nothing more about financial transactions on the network than any other OS. Nor does it have any exclusive technology that makes it a better choice in this regard.
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