Simple ways to protect your credit card online

These days most of us now use our credit cards for online purchases. We’ve all heard the horror stories of credit card fraud and believe it won’t happen to us.

However, there are some real threats on the internet which we need to take steps to avoid.

So what are the threats? Viruses, spyware are the main threats for putting your online transactions at risk.

So what can we do to minimise these threats? You must have a current antivirus program which is updated regularly. This is a must for online banking. However, most people are unaware that spyware isn’t always picked up by the antivirus program. We recommend that you check your system with Malaware Bytes Anti Spyware. This program is free to use and will scan and clean your computer.

Malaware Bytes Anti Spyware can be downloaded from PC Cleanup.

Another simple way to minimise risk is to have a second credit card exclusively for online purchases. This credit card should have a minimal credit limit. Another advantage of having a separate credit card for online use is that if you are affected by fraudulent activity, you still have your main credit card in use. There are a range of good low rate credit cards which would be ideal for a second credit card.

These are simple but effective steps to avoiding credit card fraud online.