Use a credit card for online financial transactions. Debit cards do not provide as much protection from fraud as credit cards. If a criminal uses your debit card, your entire checking account can be wiped out. With a credit card you are able to see the charges before you pay for them, which gives you an opportunity to dispute the charges.
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When you provide your credit card account number to a shopping site, you want to be sure that the transmission is secure. Look for the unbroken padlock at the bottom right of the screen. You can right click on the padlock to make sure the security certificate is up-to-date. If it is not, you should not order from that Web site. Also make sure the Web address has the letter 's' after http in the address bar at the top of the page. The ‘s’ indicates that your financial information will be encrypted during transmission. For additional online shopping tips, read the PRC's e-commerce guide at www.privacyrights.org/fs/fs23-shopping.htm.
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