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Tips to use a credit card online safely

Using a credit card online can be convenient, but it's important to take steps to ensure your transactions are safe.

Key takeaways

Here are the key takeaways for using a credit card online safely:

  1. Shop on secure websites or mobile payment apps.

  2. Avoid public Wi-Fi for transactions.

  3. Protect your personal information.

  4. Monitor your account regularly.

How to effectively use your credit card online

Using your credit card online involves understanding how it works and using its features responsibly. Take these simple tips to significantly enhance your online security while shopping online:

  1. Check for secure websites Make sure the website's address starts with https://. The "s" means it's secure. Look for a padlock icon in the address bar, which shows that your connection is protected.

  2. Use secure payment methods Consider using mobile wallet, which is an app that stores your credit and debit information so you can make purchases with your mobile device. For example, Apple Pay, Google Pay or Samsung Pay.

  3. Avoid public Wi-Fi Public networks can be less secure, making it easier for hackers to access your data. For safer transactions, use a secure, private network or your mobile data.

  4. Log out and close your browser Logging out before closing your browser helps prevent unauthorized access as this ensures your personal and payment information is not accessible to others who may use the same device.

  5. Keep your software updated Software updates frequently introduce new features and improved functionalities that can better protect your data.

  6. Avoid storing sensitive information Having your credit card information stored on a website can be convenient because it allows you to make the checkout process faster, but storing sensitive information on a device that isn’t yours can lead to identity theft.

5 ways to keep your credit card safe

Getting your first Credit Card can be exciting as it offers financial independence. To fully enjoy this experience, remember to protect your credit card with essential safety tips.

  1. Review statements regularly Check your credit card statements frequently to spot any unauthorized transactions and report them immediately. Sign up for free online statements. You’ll get an email notification when your online statement is ready, and you can securely review your statements 24/7.

  2. Keep your card information private Your credit card details are sensitive information that should remain private. Don’t share your PIN. Sharing your card details and PIN with anyone increases the risk of unauthorized charges and fraud.

  3. Be wary of phishing Do not click on suspicious links or download attachments from unknown senders pretending to be credit card companies. Always verify the sender and use security measures like two-factor authentication to protect yourself.

  4. TD Fraud Alerts available at no cost If we detect a possible suspicious transaction on your credit card, and we have your current mobile phone number on file, we'll send you an instant TD Fraud Alerts text message and you can confirm if you recognize the transaction.

  5. Lock or unlock your credit card with the TD app With TD, you can manage your credit card using the TD app. If your card is lost, or there's a potential credit card fraud, you can lock your card.

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