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Identifying Issues when Conducting Transactions over the Internet

Credit Card Fraud

Today, most people use credit and debit cards to make purchases. Not only does it help to make transaction a lot easier and faster, it also replaces the need to carry cash. In addition, credit and debit cards are the preferred mode of payment for online purchases.

Despite various security features introduced by credit card companies, credit card users are still at risk of credit card fraud. In fact, even those who do not have credit cards are becoming victims, as their personal information can be used to apply for new credit cards by scammers.

  • Common Credit Card Frauds

    There are several types of credit card fraud that are very common nowadays, such as:

    1. Theft of the card: When a person takes someone else’s credit card and uses it without their permission.
    2. Counterfeiting: When a person uses real account information to create a counterfeit card that appears legitimate.
    3. Card-not-present fraud: When a person takes someone else’s credit details and uses them for his/her own interest.

    It is very important for everyone who owns credit cards to keep their cards safe. Every single transaction made will be counted. Here are some good tips on how to avoid credit card fraud:

    1. Keep your credit cards safe: Carry only one or two credit cards with you. It is not safe to carry more than two credit cards in your purse/wallets as you will tend to misplace or lose them.
    2. Shred all documents with your credit card details on it: Destroy all documents, mails, and bills where your credit cards details are printed.
    3. Don’t sign blank credit card receipts: Always double check the amount stated on the receipt before you sign them.
    4. Avoid giving out your credit card information: If somebody is asking for your credit cards details, don’t give them out so easily.
    5. Be cautious when using your credit card online: Do not simply proceed with an online transaction even if you receive a notification (e-mail/phone call) from someone who claims to be a credit card officer.
    6. Immediately report lost or stolen credit cards: If you lose your credit cards, immediately report it to the bank and the credit card company.
    7. Be smart when paying credit card bills: Check your credit card statement thoroughly before making payment.
  • Impulse Buying

    Impulse buying is defined as an unplanned or spontaneous purchase. The person who makes such purchases is referred as an impulsive buyer. Here are some good tips on how to avoid impulse buying:

    1. Be aware of how much money you spend: Take a good look at every single dirham you spend. You might not want to spend too much on things that are not necessary. The best thing to do is to work out your budget and stick to it.
    2. Think twice before you make a purchase: If you have a tendency to impulse buy, be aware of any advertisements that might influence you.
    3. Have clear objectives when shopping: Set your objectives each time you go shopping and stick to them. You might need a reminder such as small note book where you can list down all the products you need ahead of time.

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