Online retailers usually make offers at a lower price than brick-and-mortar stores. Why? Because of the low overhead. If you can strike a free shipping deal, you’ll save money when purchasing things online.
But before you can receive these goodies, you’ll have to pay for it. And, the safest, most straightforward, and the easiest of doing that is paying with your credit card.
A credit card allows people borrow a small amount of money from their bank to make a purchase, whether they’re buying a hamburger at the Burger King or paying for a round-trip ticket to London.
Credit card manufacturers, on the other hand, are the banks (or financial institutions) that issue credit cards to consumers like us. Card networks, on the other hand, govern where/how the credit card should be used to make the payment process as easy as it can get between credit card issuers, merchant, and credit card users.
Credit Cards Online: How to use a Credit Card to Purchase Goods Online:
1. Get connected to an encrypted (secure) network.
Look for a padlock sign on your browsers. If you can see one, you’ll know it’s a secure network. Some site also uses “https://” instead of the standard “http://” to indicate a secure network.
Never share your credit card details (card number and pin number) by email over an “unsecured network.”
Why? Well even though it may seem that email guarantees you more privacy, there are scammers out there accessing these “unsecured network” to monitor your credit card transactions.
Likewise, never shop online using your credit card through an “unsecured wireless connection.” Ad-hoc wireless networks operating as a free WIFI connection can easily grab your credit card details.
Also, never shop online over a “public wireless connection,” such as the ones you find at the bars, cafes, train station, and airports.
2. Type the website address you are planning to purchase from directly in your browser’s address bar.
I realize that many people do a Google search or follow a link in the email to visit the merchant’s site to make purchase goods (and services) online. By doing this, you’ll only maximize your risk of ending up at a phishing site, which might be masquerading as the original vendor’s site in hopes of gathering your credit card details.
So unless and until you are entirely sure that the emails are coming from a legitimate site you recognize, do not follow the link in your email to make an online purchase. These mimic (or phishing) emails are widespread scam these days. Instead, directly type the vendor’s website address in your browser’s address bar and purchase.
3. Place the items you want to buy in the shopping cart.
At some sites, you’ll have to bid on an item before you get the right to purchase it. But most other websites only require you to click on the “Add to Cart” button on their offer page.
4. Click the button to purchase the item(s) you’ve just selected.
Once you have all your items in your shopping cart, look for a button that reads “Cart” (or look for the shopping cart icon) and click it. After that, look for the “Check Out” button and click on it to check out.
5. Enter your shipping details.
You won’t be able to see your final price unless and until you provide your shipping information. Why? Because these website needs your zip (or postal) code to calculate the shipping fees.
6. Then provide your billing address too.
The billing address should be the same as the billing information on your credit card. Some sites also offer an option to copy your shipping address into the billing address fields with just a click of a button.
7. Choose your credit card as your payment method.
You’ll also be asked to choose your card type, e.g., MasterCard, Visa, American Express, Discover, or simply the store credit card.
But if your card is not listed in the option box, understand that the merchant doesn’t accept the credit card type. To complete the transaction, you’ll have to use another card. People with Discover or American Express often face this problem more than MasterCard or Visa card users.
8. Enter your credit card details.
Your credit card details include:
● Your name on the credit card.
● Your credit card number.
● The date your card will expire.
● The security code (3 or 4 digits long) on the back of your card.
9. Click the proper button to complete your online purchase.
Click the “Place Your Order” or “Place Your Order Now” button to complete your online purchase.
10. Finally, click on the “Print” button to print the proof of purchase or confirmation screen you receive after completing the transaction. And until and unless your item arrives, keep this receipt in a safe place.
Well, there you have it: 10 simple steps to using a credit card for online payment & shopping.
Over to you. Have you used a credit card to make online purchases in the past? If yes, how was your experience? Please share it in the comment box below.