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While on a secure page, such as our order form, the lock icon on the bottom of Web browsers such as Netscape Navigator and Microsoft Internet Explorer shows a locked lock, as opposed to showing an un-locked lock (an open lock) when users are just ‘surfing’.   Also notice that the URL address at the top of your computer screen will start with the letters "https" when you are on a secure page as distinct from "http" when you are on a non-secure page.

In some cases such as in restaurants, the waiter/waitress walks away with your card.   Once out of sight,  how easy is it to copy your card number, the expiration date, and the additional security code numbers on the back of your card?   Then when they return with the card, you give them a copy of your signature, and, in spite of this obvious fraud potential, you go home feeling safe.   

Considering the circumstances just described, how much sophistication and  how much intelligence does it take for a petty thief to run up a bill on your credit card?   Not much.

On the other hand, on the Internet, it takes considerable expertise to rip off your credit card information.   And statistically, comparing the safety record between Internet credit card purchases with credit card use in physical settings shows that  credit card use is safer on the Internet than it is in a physical setting.

We have been advised that you should use a credit card in preference to a debit card in general internet transactions.  Why?  Because most credit card companies have resources and safeguards to prevent credit card fraud, but many banks who issue debit cards do not.

Furthermore, credit card companies want your business!   Most credit card companies use state-of-the-art, high-tech, encryption software.  And they have so much confidence in their Internet, fraud-protection systems that they tell customers that they (the credit card company) will cover all charges that result from unauthorized use of your credit card.   Be aware that some may limit your liability to $50 USD.)   

Check the protection policy of your credit card company and use only those cards that offer full, fraud protection.  If the card company offers a guarantee against unauthorized use, that sounds like a pretty safe way to purchase on the Internet.

If you believe unauthorized use of your credit information has occurred, follow the reporting procedures defined by your credit card's issuing bank and contact them immediately. .

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