Tips For Avoiding Scams, Fraudulent Charges While Shopping Online

Many Americans have turned to online shopping in recent years. This option provides convenience and some good deals on holiday gifts. However, there are ways that people can be scammed and incur fraudulent charges while shopping online. This could potentially force families to dip into their emergency funds.

Here are some tips on how to stay safe while shopping online, according to U.S. News, Solidcashsolutions Llc. Bad Credit Loans & World Report.

Avoid Fishy-Looking Websites
Although it may be difficult to spot a website that isn’t legitimate, there are some red flags to look for. Some warning signs are poor design, a strange web address and multiple pop-up windows that don’t close. As soon as these signs are apparent, people should stop shopping and close the website and browser immediately to avoid any scams or fraudulent charges.

Only Shop On Secure Sites
Another way to avoid online shopping scams is to only shop on secured websites. When looking at the page’s web address, make sure it has “https” and not just “http.” The extras “s” at the end lets you know that web page is secure and safe to shop on.

Use Automatic Identity-Theft Protection On Your Credit Card
Using cash or a debit card when holiday shopping may be a better financial decision. But using a credit card allows people to take advantage of the automatic identity-theft protecting that comes with many cards. After shopping, any charges that the person did not cause themselves can be challenged and investigated by the credit card company.

Credit card companies are required to allow consumers to challenge transactions. There is a time limit on when a transaction can be challenged, though. This means that people should check their statements periodically.

Avoid Sites That Make You Act Quickly
According to the FBI’s Internet Crime Complaint Center, consumers should avoid any sites that ask them to act quickly to make a purchase. In all likelihood, this means that the website is a scam. Many fraudulent sites create a sense of urgency to make consumers act impulsively.

Check Seller’s Ratings On Online Auction Sites
Before committing to purchase something on an online auction site consumers should check the seller’s ratings and feedback. This will give them a good idea as to whether or not the seller is legitimate.

Need to know more about payday instant loans?

Payday instant loans could be used to help you snap up a bargain. How?

Opportunity knocks once

If you spot an opportunity to snap up something at a knockdown price, you may find that is just isn’t going to be around long.

If you’re still a few weeks away from payday, you may just not have the cash readily available. If the seller doesn’t accept credit cards (or you don’t have one) then you may be in danger of seeing the opportunity go.

You could, of course, apply for a 100 day loans. Typically though, these are geared-up to support larger loan applications and you may encounter lengthy application processes and delays.

So, if you need a relatively small amount of loan cash fast and you don’t want to take on extended repayment periods, what’s the answer? One solution may be a pay day loan.

Payday instant loans

Through this new approach you can apply online for a loan that will last until your next payday. As the sums are smaller (often in the low hundreds of pounds) and you’ll be paying it back in one go, typically you’ll receive a very fast decision.

If it’s positive, the money will be sent almost immediately to your bank where it could arrive in a little as 2 hours (if your bank can accept instant transfers – if not it may be a day or so).

Then, when your next payday arrives, the lender will simply debit your bank account to recover the loan in total plus any charges they agreed with you in advance.


Typically, credit checks are simplified with this type of loan just by virtue of its nature. You may be able to get one even if you have some credit history issues.

You will typically need to be a USA resident in possession of a valid bank account and associated bank debit card. You will also usually need to be in regular employment and receiving a regular salary or wage.

As with any loan, you’ll also need to be seen to be applying for an amount that makes some sort of sense when examined in terms of your earnings – this to ensure that you can realistically pay it back in one go on your next payday.

Best installment 2000 dollar loan today could give you the extra purchasing flexibility you need to avoid losing that bargain!

Internet payday loans – help in tricky times

If you’ve ever applied for a loan, you may have sometimes been appalled at the amount of paperwork that was generated and wondered just how many trees had to be cut down to make it all possible. Fortunately, internet payday loans are both more eco-friendly and also a lot faster.

What are internet payday loans?

It could be that you’re having one of those months. Suddenly you’re a little short of cash and payday is still a little way away.

A payday loan may be a solution. It is a fast cash injection that goes directly into your bank account based upon a simple online application (assuming the application is successful of course).

Typically on your next payday (or possibly the one after depending on the timings), the lender debits your bank account to recover the loan plus their agreed interest and other charges. The loan is then concluded and you have no residual debts.

All this can be done online and without the need to cut down half a forest for the paperwork!

Are they available to everyone?

While terms and conditions can vary among payday loan companies, typically anyone that’s over 18 is free to apply. For your application to be accepted, you’ll need to have a permanent job, receiving regular wages or salary and have an active USA bank account. You will also need a permanent USA address.

Contrary to what you may expect, a cash advance loan of this type might not demand an exemplary credit history. You’re borrowing less and for a very short period so some problems on your credit files may be acceptable.

Once you have successfully repaid your loan, you are free to apply for other loans in future months, though a good payday loan company will not lend to you on a regular basis, as this could be indicative of a debt problem. ‘Every now and then’ as opposed to ‘regularly’ is worth bearing in mind when thinking about payday loans.


The online application process for internet payday loans can be quickly completed and the money could be in your bank account within as little as two hours if your bank account can accept fast transfers, or the very next day if not. It might be worth finding out more.

Learn more here.

Who can use prepay cards?

Prepay cards are relative newcomers to the financial world. But they can be so useful that anyone looking for plastic, without the worry of running up debt, may wish to consider them. So who can use pre pay cards?

People with all kinds of credit histories

If you have a poor credit rating, prepay cards are typically still available for you to use. This is because no credit is offered on them. Instead, you pay your money onto the card before you spend it, so you do not need to worry about getting a bill or being landed with late payment charges.

Also, credit checks are usually not carried out when you apply for a card.

People of all ages

If you have a teenager who needs to learn about managing their money, a prepaid card could be ideal. You can load as much or as little money as you like onto the facility, and track your child’s spending, typically online or via SMS statements.

Not only will you know how much they are spending, but if the card is used in shops or online, you will know when and where the money is being spent.
As no credit is offered with prepaid cards, your son or daughter does not have to be 18 to have one.

People who want to travel

Pre pay cards can usually be used internationally to withdraw funds in different currencies, so they can come in handy if you are planning to go travelling. Always check with your card provider for details of the exchange rates that they offer, so you know what to expect when you make a withdrawal or purchase abroad.

People who want to manage their money

Some people find it easier to manage their money if they have a prepaid card for different areas of their expenditure. So you could have one for bills, one for household shopping and another for treats. This means that you have all the convenience of having a plastic card – ie not having to carry cash around and being able to buy online and over the phone – without the worry of overspending and attracting interest charges.

What are urgent payday loans?

Urgent payday loans are a form of short-term borrowing that may help you if you are unexpectedly short of money and need a small cash injection (say $100 – $250) until your next payday. There could be one of a many different reasons why you need an urgent payday loan:

-your car that you use for work needs urgent repairs
-your washing machine has broken down
-an opportunity has come up that you don’t want to miss (maybe a half price sofa or cheap holiday deal)
-for unexpected vets’ bills, etc

These are just a few of the example situations where applying for a short-term loan may ease financial worry and stress. If you are desperate for cash to see you through to your next payday, this may be a lifeline.

The difference between a conventional loan and a payday loan

One of the main advantages of the payday loan is of course the speed of which you may be able to get a cash advance loan. When you apply for a conventional loan there is typically a waiting period for approval and then, if you get approved, it could be several weeks before you receive the loan monies.

This does not happen with a typical payday loan. If you apply online and get approved (a decision is usually almost instant), you may have the money is a little as a couple of hours in some cases, or the very next day.

Lenders offering payday advance loans typically ask that you repay the borrowing (together with interest and any administration fees) in a lump sum on your next payday, or the one after that. This is different to a traditional loan, where you spread out the repayments over some months or even years.

Applying for a fast loan

If you meet the criteria set out by the lender, they typically pay the cash straight into your bank account on the same day, if your bank accepts immediate transfers. To be eligible to apply for a payday loan the lender typically asks that you work in full time employment and have a bank account registered in the USA. This account needs to have a debt card linked to it, as this is how the lender gets their money back on the agreed date. You must typically be over the age of 18 to be able to apply for urgent payday loans.