Every year a greater number of Americans do their holiday shopping online. Business analysts expect around 70 billion dollars to be spent online this season, this is a 14 percent increase from 2014. The growth is not surprising as online shopping is very convenient, especially at such a busy time of year. But that convenience sometimes can turn into a massive headache. Making purchases over the internet can put your financial information at risk. You will want to do every thing you can to keep your online shopping as safe as possible. Always remember, if you have any issues with online shopping, an experienced consumer rights attorney can help.
Important Online Shopping Tips
Always do your research-
Unfortunately, not all internet retailers are trustworthy. When you are shopping online you should always do your research to make sure that you are purchasing from a trusted vendor. Further, during this process you can read product reviews and compare deals from around the web so you know you are getting the best value for your money.
Use a secure internet connection-
Dealing with stolen credit card or personal identity information is a huge hassle that you definitely do not need during the holiday season. Avoid making purchases or electronically checking your bank information when using a public internet connection.
A credit card is always better than a debit card
– If you have access to a credit card, you should always use that instead of a debit card or an electronic check when making online purchases. The Illinois Office of the Attorney General always recommends using a credit card over a debit card. Remember, your debit card is linked directly to your checking account, and stolen debit card information may make those funds vulnerable. The Fair Credit Billing Act (FCBA) protects you from liability if your credit card information is stolen.
Regularly review your credit card and bank statements-
There are regulatory safeguards in place to protect consumers from unauthorized use of credit cards, debit cards and bank account information. But, there are strict time limits for reporting the unauthorized use. For example, the FCBA requires that you contact the credit card company within 60 days of receiving the first statement that included unauthorized use or a billing error. The time limits can be even shorter for debit cards and bank accounts. Always review your accounts regularly and immediately contact an experienced consumer law attorney is you notice any serious irregularities.
Contact An Experienced Consumer Protection Attorney
If you have any problems related to online shopping this holiday season, do not hesitate to contact the Keogh Law Firm. Our attorneys have immense experience working in areas of consumer protection. As a consumer you have important legal rights and we are committed to fighting to protect those rights. Call our office today at 866-726-1092 to discuss your legal options.