It's your Mortgage Day!
• Use familiar websites: Start at a trusted website rather than shopping with a search engine. Search results can be rigged to lead you astray, especially when you drift past the first few pages of links. Most major retailers have an online store, beware of misspellings or websites using a different top-level domain (.net instead of .com for example).
• Look for the lock: You should never buy anything online using your card from a site that doesn’t have SSL (secure sockets layer) encryption installed. If it is installed the site will start with HTTPS:// rather than just HTTP://. An icon of a locked padlock will appear usually in the status bar at the bottom of your web browser or next to the URL in the address bar.
• Mind your information: It would be very unusual for an online store to need personal details such as your PPS number or your date of birth to make a purchase. The safest option is to provide as little personal information as possible.
• Protect your computer: Ensure that your computer has good anti-virus software installed and that it’s updated regularly.
• Review your bank statements: Regularly examine your card statements for any potentially fraudulent transactions.
• Use strong passwords: It is more important than ever to ensure when you are creating a new password that it is strong, and use a different password on each website.
• Fraud: Be wary of deals that sound too good to be true, any alerts you receive that your account will be closed unless you take some immediate action, notices that you have won a lottery, or a refusal to meet in person for a local transaction.