3. How you pay can give you added protection
Consumer group Which? explains that under section 75 of the Consumer Credit Act, your credit card company is jointly liable if something goes wrong with a product or a service you've paid for with that card.
If you've spent more than £100 and less than £30,000 on something, you can claim in this way if something goes wrong. You don't have to have paid the full amount on your credit card, either. Which? says to qualify for the protections, it's the value of the goods you're buying that is key, not the amount paid on the card. manager at Adyen, which processes payments, says with many limited-period deals on offer, shoppers may be tempted to let their guard down. "It helps to stick to retailers you know are reputable. That is not to say that any online retailer you haven't heard of should be on the black list, but take the time to do a little research and look for reviews," he says.
"Checking your emails carefully is also crucial. Fraudsters are becoming increasingly sophisticated at mimicking legitimate retailers. They know it's easy for you to get caught in the moment when a great offer lands in your inbox. Take a few moments to check the email address of the sender is legitimate and look closely at the destination of a link, before clicking it. This helps avoid ending up on a spoofed website and mistakenly providing your card details and personal information to fraudsters."