Beware of the three ways of getting fooled into giving up your money through seemingly innocent money-making schemes. Scams are all around us and it can be found in every single area of life, but more so in such areas where the risk is greater such as when dealing with credit cards, bank accounts and other activities which involve sending or receiving money online.
The Bank/Credit Card Email Scam:
If you get an email asking you to sign up to your bank account or credit card through the email because your privacy is under danger or just to receive a free gift or something: BEWARE! Do not sign up through the internet address provided in the email. If the email does make you anxious, go to the bank or credit card site using the address you know already or through searching the search engines.
How Does This Scam Work?
The senders of the email know that only a very few will sign up but that is all they need. When you signed up to the bogus internet address, they got your user and password. Now its time for them to party!
The Missing Millionaire Scam:
If you receive an email saying that they represent a dead or missing former ruler, high-ranking official or businessman from an African, Gulf or even Russian: BEWARE! They offer you a chance to earn anything between one to five percent of ten to fifty million. And for your co-operation only. Don't get sucked into this, for though they speak of giving you money, they will receive cash and from your account.
How Does This Scam Work?
They will ask you for your bank details in order to transfer the cash and then they will use that to transfer a small amount. Now, once you trust them, they will ask you for more personal and secure details because they "need" that to transfer the entire sum in and out of your account. What they won't tell you is that they will transfer all the money out from your account: theirs and yours.
The Make Money Fast Scam:
This is the most innocent of the lot, but that is also why it is the most dangerous. These are so-called companies that advertise that if you only sign up and use their system, you will mint money. Please do not fall for such schemes. They will pay you some money but then once trust is built, they will fleece your bank account. Remember that quick money scams are the surest and fastest way to lose all your money!
Conclusion:
Whatever you do online, always remember that the internet is not a safe place. Treat it like you would treat any other business venture and bring up your guard. If you play it safe and check out the companies before committing, you will be able to guard yourself against losing money to crooks.
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Senin, 30 Mei 2011
Senin, 04 April 2011
Shopping Online – Protect Yourself
These days, there are great bargains to be found by shopping online. Many items that previously were only available in stores are now being bought and sold online every day. Books, cds, DVDs and electronics are all growing in popularity as online purchases. Then there are things like flights, hotel bookings, car rentals and the like that are which are well established in the online shopping world. More and more stores are putting up websites that allow you to make online orders and even supermarkets now let you do your grocery shopping online and they’ll deliver the goods to your door.
Added to this growth in stores and other big business websites, there are also millions of small traders offering you goods online too. Online auction sites such as ebay are experiencing phenomenal success. These types of purchases however carry the risk that you do not really know who you are dealing with but you have to give them sensitive financial information in order to pay for your purchases. You are forced to choose between buying from small sellers and then trust them with your card details, or forgo the opportunities they offer and deal only with large and trusted names.
Payment Sites
This problem has been recognised and that is why it is now possible to shop online from lots of small sellers while maintaining your privacy and keeping your financial information secure. There are payment sites with the most popular probably being paypal, that are set up specifically to deal with issues like these. Indeed, paypal is now owned by ebay, which shows the link in importance between the two services offered by these companies.
What websites like paypal allow you to do is pay open an online account for free. You can then transfer money into your account using a standard credit card payment procedure. The advantage of this is that while you are providing your card information to paypal, this is the only company who you are giving this information to and since they are large and therefore, hopefully, trustworthy, your privacy and security should be safe.
Then when you make all your various purchases with smaller, more anonymous traders, all you do is make the payment through paypal and this avoids all the dangers having to give all your sensitive data out again and again. It is another example of how using credit cards online are becoming safer and more convenient.
Added to this growth in stores and other big business websites, there are also millions of small traders offering you goods online too. Online auction sites such as ebay are experiencing phenomenal success. These types of purchases however carry the risk that you do not really know who you are dealing with but you have to give them sensitive financial information in order to pay for your purchases. You are forced to choose between buying from small sellers and then trust them with your card details, or forgo the opportunities they offer and deal only with large and trusted names.
Payment Sites
This problem has been recognised and that is why it is now possible to shop online from lots of small sellers while maintaining your privacy and keeping your financial information secure. There are payment sites with the most popular probably being paypal, that are set up specifically to deal with issues like these. Indeed, paypal is now owned by ebay, which shows the link in importance between the two services offered by these companies.
What websites like paypal allow you to do is pay open an online account for free. You can then transfer money into your account using a standard credit card payment procedure. The advantage of this is that while you are providing your card information to paypal, this is the only company who you are giving this information to and since they are large and therefore, hopefully, trustworthy, your privacy and security should be safe.
Then when you make all your various purchases with smaller, more anonymous traders, all you do is make the payment through paypal and this avoids all the dangers having to give all your sensitive data out again and again. It is another example of how using credit cards online are becoming safer and more convenient.
Jumat, 01 Oktober 2010
Fake Credit Card Numbers Mean Safer Online Shopping
Isn't That Illegal?
Yes, using credit cards fraudulently is illegal. This article is absolutely not suggesting that you make up and use a credit card number. You should also never use credit cards belonging to other people.
Below is a summary of new services the credit card companies have created to make online credit card use more secure.
How Does It Work?
It is more appropriate to use the terms "temporary credit card numbers" or "single-use credit card numbers" rather than "fake credit card numbers."
Some credit card issuers allow customers to generate and use a credit card number that is different from the number on their plastic credit card.
Current Online Security Measures
Security-conscious online buyers should only submit their credit card numbers to web sites that are secured by Secure Socket Layer (SSL) encryption. You can tell if a web page is secure by looking for the following signs:
1. The page address in the browser address bar begins with https. The extra "s" means secure. Normal web page addresses begin with http.
2. The browser will usually display a closed lock or a complete key symbol when you are at a secure page.
3. Clicking or double-clicking the closed lock symbol (or the security symbol your browser uses) will usually show the security information for that website.
4. Secure (https) web pages will encrypt (scramble) your credit card information before sending it across the public internet. Chances are that a human being will never even view the information.
That Sounds Secure Enough. Why Do We Need Single-Use Credit Card Numbers?
It is a bonus to the consumer any time a vendor can provide an extra layer of security. Online credit card consumers can generate a separate credit card number for each online purchase, if they wish.
This easy-to-use extra security measure makes consumers more confident about buying with credit cards over the internet. Anyone who did view your information in transit would see only your encrypted information. Encrypted information looks like gibberish to everyone except the credit card company's computer.
Additionally, it is no longer necessary to submit online the credit card number imprinted on your physical credit card.
Will They Run Out Of Credit Card Numbers?
No! Assume that Earth's population is about 6 billion people. Most credit card numbers have 16 digits in this familiar pattern: nnnn-nnnn-nnnn-nnnn. Assume that each digit in a credit card number can assume any value between 0 and 9.
That works out to be almost 1.7 million credit card numbers available to every man, woman, and child on Earth!
Even if the first 4 digits are reserved for some reason, there are still about 170 credit card numbers available for every person on the planet. In short, the credit card companies will not run out of single-use credit card numbers.
How Are They Different From My Real Credit Card Number?
They are as valid as your plastic credit card to online merchants. Each single-use credit card number is linked to your primary credit card account. Purchases made with single-use numbers appear on your monthly statement. Refunds made to single-use numbers will appear as credits on your monthly statement.
OK, What's The Bad News?
There are certain circumstances under which you should not use a single-use credit card number to make an online purchase. This author learned from experience not to use a single-use number at home to purchase movie tickets from a popular online ticket vendor.
The problem occurred because the machine at the movie theater that dispenses the online movie tickets requires the insertion of your real plastic credit card. If you did not use your real credit card number to buy the tickets, the machine will not release your tickets.
Any online purchase that requires you to present your physical credit card at the venue should only be made with the number on your physical credit card. Web sites that sell movie and other tickets will warn you of this.
Furthermore, your online ticket purchase will come with a confirmation number. Write or print that number and take it with you in case of problems.
Conclusion
Single-use credit card numbers are easy to generate, make online buying safer and more secure, and give consumers extra confidence when making online purchases. Call your credit card company or visit their website to learn if it offers this extra peace of mind on your credit card account.
Use the links following this article to learn more about cash rebate credit cards and gas credit cards.
Yes, using credit cards fraudulently is illegal. This article is absolutely not suggesting that you make up and use a credit card number. You should also never use credit cards belonging to other people.
Below is a summary of new services the credit card companies have created to make online credit card use more secure.
How Does It Work?
It is more appropriate to use the terms "temporary credit card numbers" or "single-use credit card numbers" rather than "fake credit card numbers."
Some credit card issuers allow customers to generate and use a credit card number that is different from the number on their plastic credit card.
Current Online Security Measures
Security-conscious online buyers should only submit their credit card numbers to web sites that are secured by Secure Socket Layer (SSL) encryption. You can tell if a web page is secure by looking for the following signs:
1. The page address in the browser address bar begins with https. The extra "s" means secure. Normal web page addresses begin with http.
2. The browser will usually display a closed lock or a complete key symbol when you are at a secure page.
3. Clicking or double-clicking the closed lock symbol (or the security symbol your browser uses) will usually show the security information for that website.
4. Secure (https) web pages will encrypt (scramble) your credit card information before sending it across the public internet. Chances are that a human being will never even view the information.
That Sounds Secure Enough. Why Do We Need Single-Use Credit Card Numbers?
It is a bonus to the consumer any time a vendor can provide an extra layer of security. Online credit card consumers can generate a separate credit card number for each online purchase, if they wish.
This easy-to-use extra security measure makes consumers more confident about buying with credit cards over the internet. Anyone who did view your information in transit would see only your encrypted information. Encrypted information looks like gibberish to everyone except the credit card company's computer.
Additionally, it is no longer necessary to submit online the credit card number imprinted on your physical credit card.
Will They Run Out Of Credit Card Numbers?
No! Assume that Earth's population is about 6 billion people. Most credit card numbers have 16 digits in this familiar pattern: nnnn-nnnn-nnnn-nnnn. Assume that each digit in a credit card number can assume any value between 0 and 9.
That works out to be almost 1.7 million credit card numbers available to every man, woman, and child on Earth!
Even if the first 4 digits are reserved for some reason, there are still about 170 credit card numbers available for every person on the planet. In short, the credit card companies will not run out of single-use credit card numbers.
How Are They Different From My Real Credit Card Number?
They are as valid as your plastic credit card to online merchants. Each single-use credit card number is linked to your primary credit card account. Purchases made with single-use numbers appear on your monthly statement. Refunds made to single-use numbers will appear as credits on your monthly statement.
OK, What's The Bad News?
There are certain circumstances under which you should not use a single-use credit card number to make an online purchase. This author learned from experience not to use a single-use number at home to purchase movie tickets from a popular online ticket vendor.
The problem occurred because the machine at the movie theater that dispenses the online movie tickets requires the insertion of your real plastic credit card. If you did not use your real credit card number to buy the tickets, the machine will not release your tickets.
Any online purchase that requires you to present your physical credit card at the venue should only be made with the number on your physical credit card. Web sites that sell movie and other tickets will warn you of this.
Furthermore, your online ticket purchase will come with a confirmation number. Write or print that number and take it with you in case of problems.
Conclusion
Single-use credit card numbers are easy to generate, make online buying safer and more secure, and give consumers extra confidence when making online purchases. Call your credit card company or visit their website to learn if it offers this extra peace of mind on your credit card account.
Use the links following this article to learn more about cash rebate credit cards and gas credit cards.
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