Credit card holders should take care when buying online
Credit card holders have been reminded to take care when they do their Christmas shopping.
The UK Cards Association is running its 'Be Card Smart Online' campaign, which provides tips for internet shoppers.
With research by IMRG suggesting that Christmas shoppers will spend 16% more online this year, the timely advice could prevent many people from losing money.
Katy Worobec, head of fraud control for the UK Cards Association, said: "Our Be Card Smart Online campaign has definitely played its part in driving down online fraud losses and we urge anyone planning to shop online this Christmas to remind themselves of our common sense advice."
Shoppers are urged to install the latest operating system, browser and anti-virus software and to only purchase from websites that display the padlock symbol, which should be located in the bottom right hand corner of their browser.
Consumers should register their credit cards with Verified by Visa or MasterCard SecureCode, which are designed to improve the safety of shopping online.
It is also important to log out after making a purchase and save the confirmation email, and extra care should be taken when buying from overseas.
In the event that a company goes out of business and purchased goods do not arrive, credit card holders should remember their rights under Section 75 of the Consumer Credit Act.
This applies to transactions in the UK and abroad and allows the cardholder to claim their money back from their credit card company on goods and services costing between £100 and £30,000.
Please ensure that you fully read the terms & conditions of any product or policy before you decide to proceed and are fully aware of the total costs and the benefits and any exclusions or limitations applicable to the product or plan.
Please note that the product links will take you direct to the Issuer or Insurer's site direct and we cannot be held responsible for the information which they provide within their own sites. On some comparison tables we use a star rating which rates products by visitor popularity.
We are also authorised with the Office of Fair Trading, CCL number 624508/1. In compliance with the Consumer Credit (Advertisements) Regulations 2010, Freedom Marketing is a Credit Intermediary for all consumer credit products listed on our sites, with the exception of products from the following providers: Tesco Bank, Royal Bank of Scotland Group and Nationwide Building Society.