Tips for pro­tect­ing your­self

WHEN SHOP­PING ON­LINE

Reader's Digest Asia Pacific - - Crime Watch -

1

Never trade out­side an auc­tion web­site. 2 Never send money or give credit card or on­line ac­count de­tails to any­one you don’t know or trust. 3 Never re­spond to emails ask­ing for credit card de­tails. 4 Do your home­work. Look at other peo­ple’s com­ments about a seller, or do an in­ter­net search to see what oth­ers have said.

5

Only send money through a se­cure pay­ment mech­a­nism. If a re­tailer asks for a pay­ment via wire trans­fer, money or­der, pre-loaded money card or gift cards it is of­ten a scam. 6 Only ever pay through the web­site. Don’t re­spond if the seller sub­se­quently con­tacts you di­rectly by email or phone.

7

Pay by credit card if pos­si­ble as it’s eas­ier to con­test a pay­ment. Most scams rely on peo­ple us­ing debit cards, when the money comes straight out of your bank ac­count. 8 Con­sider keep­ing a credit card with a low limit ($1000 to $2000) just for your on­line shop­ping. That will cap the amount you could lose.

9

Check the web­site’s re­fund or re­turns pol­icy, and al­ways keep re­ceipts. 10 En­sure your com­puter has up-to-date anti-virus and anti-spy­ware. This will help pre­vent phish­ing scams (where scam­mers send you mes­sages di­rect­ing you to fake web­sites). 11 Use a se­cure pass­word to log on to email.

12

Con­sider us­ing dif­fer­ent email ad­dresses for dif­fer­ent pur­poses, in­clud­ing a spe­cific email for your bank, another for fam­ily and friends, and a third for gen­eral use. 13 Never share your PIN with any­one and never send it over the in­ter­net. 14 Check your credit card state­ments closely and query any dis­crep­an­cies.

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