How to use credit cards for online shopping

    Today, you do not need to have cash with you at all times to make any kind of payment. You can just use a credit card instead. Credit cards help you withdraw more money than you have in your account in times of need, which has to be repaid at the end of your monthly credit cycle. You can use the credit for any purpose as long as you spend within your credit limit. If you exceed your credit limit, you will be charged a penalty.

    With the recent surge in the popularity of online shopping, a lot of people tend to buy goods online rather than going to a store. In comparison to physical stores, online retailers provide a lot of offers and lower prices to their customers, becoming one of the major reasons why people prefer to shop online. Also, it helps people get all their shopping done whilst seated in the comfort of their own homes, or anywhere else for that matter, given the availability of mobile internet.

    While purchasing stuff online, people get the option to pay via different payment modes. You can pay using a credit/debit card, net banking, an online wallet or you can pay with hard cash when you receive the product. Making payments using a credit card is one of the easiest and simplest ways. It is also much safer as you can check your transactions in your credit card statement later.

    In order to pay using a credit card, you can follow the steps below –

    • Connect to a safe network –
    • Before making a payment using your credit card, make sure that you are connected to a safe network. To ensure it, first check if the URL of the website you have opened starts with ‘https’ instead of ‘http’. Https is a sign for secure network. Secondly, check for the locked padlock symbol which is another symbol of a secured network

      You should never provide your credit card details on an unsecured network as it leaves you vulnerable to hackers. Also, do not give any details when you are connected to any wireless network that you are unfamiliar with.

    • Go directly to the website –
    • Instead of clicking on hyperlinks, visit a known and reputed website for shopping. Doing this will prevent you from visiting any page which is potentially unsafe or a copy of the original website created to collect credit card information. Also, do not click on any links present in emails that you receive unless you are sure that it is from a reliable merchant

    • Select the things you wish to purchase -
    • After opening the website, select the products you want to buy and add them to the cart by clicking ‘buy now’ or ‘add to cart’ option against the item

    • Purchase the products –
    • Once you are done selecting, look for the cart icon or a link titled ‘checkout’ in order to make the payment

    • Enter your details –
    • On the next page you will have to enter your personal details like your name and the address where you want the merchant to deliver your products. The merchant will calculate the shipping charges based on your pin or zip code

    • Enter your card details –
    • This is the next step where you enter your card details to make the payment. You will have to first choose the card type and then enter your name, credit card number, expiry date of the card and the CVV number (a 3 or 4 digit code present on the backside of the card). After you provide the details, click on ‘place your order’

    • Save transaction details –
    • When the payment is made, you will get a confirmation receipt for the same. Ensure that you save it till your product is delivered

    The above steps is more or less the same for all online websites, but while shopping online, one should take great care while entering their credit card details and make sure not to save them on websites. As the prices of the products online are cheaper, people also be wary about going on a spending spree and must keep a check on their credit limit.

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