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.

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.

Applying

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.