TA的每日心情 | 奋斗 2022-2-8 01:13 |
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签到天数: 171 天 [LV.7]分神
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我去年也有过类似经历。
以前自己在新浪博客的日志,贴到这里吧。
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今天早上收到信用卡公司来的电话。他们问我今天凌晨是否使用信用卡付了七百多美元的账,他们之所以问是因为他们发现我上一次使用信用卡是昨天中午在美国德州某家panda express付的账,而今天早晨这张信用卡却神奇地跑到了德国某地被用来付账,他们觉得虽然德州和德国只有一字之差,但事实上从德州飞到德国怎么着也得十几个小时,所以给我打电话来核实一下。
当时的我正在德州的家中,刚刷完牙,当然不可能出现在德国,于是很明显我的信用卡被盗用了。于是,他们果断地终止了我的信用卡,并礼貌地告诉我,他们马上会把新的卡寄到我的家中。
我早就听说信用卡是很容易被盗用的,一定要保管好,没想到这种事情竟然发生到自己头上。庆幸的是,这次盗用者是在远隔万里的国外使用,而自己最后一次使用自己的信用卡恰好在不长时间前,而最关键的是信用卡公司的同志真的很细心,竟然及时地发现并制止了盗窃犯的盗用行为的发生。
想来想去,自己信用卡信息的泄漏最有可能就是以前在网上购物,结果被那些无耻的黑客截获所致,否则断不会跑到德国去。因此这里提醒大家网上购物一定要多加小心。
下面这篇文章是我放狗搜来的,贴在这里给大家提个醒。原文为英文,大概意思总结如下:
网络购物安全小贴士
1。使用安全性好的个人电脑
避免使用那些被孩子们用来网聊或者玩网络游戏的家庭电脑。一定要更新防毒软件和操作系统。
2。仅仅在那些知名的,值得信赖的,自己熟悉的网站购物
很多网站的安全性并不好,特别要避免直接使用搜索引擎搜索来的不熟悉的购物网站,因为搜索引擎搜索来的购物网站一般比较随意。
购物后,一定要保留好每一张receipt和confirmation e-mail.
做好对购物网站的调查研究。
3。尽量使用信用卡
比较银行卡(debit card)来说,使用信用卡(credit card)有很多好处。比如,法律规定如果信用卡被盗用,用户仅仅有最多50美元的责任金,而且很多信用卡发行商连这50美元的责任金都免了。
永远不要使用money order!
4。使用替代方法
比如说,使用专门的Pay-Pal之类的付费网站
原发:http://www.aswetalk.org/wordpres ... do_online_shopping/
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Five Tips for Safe Online Shopping
Protect Yourself From Internet Scams and ID Theft
By Brian Krebs
washingtonpost.com Staff Writer
Wednesday, November 21, 2007; 10:14 PM
If you’re one of the nearly 39 million consumers the National Retail Federation expects will do their holiday shopping online this year, then listen up! Use your street smarts in the virtual marketplace and follow these basic online shopping tips to protect yourself and to ensure that your money doesn’t become part of the $3.6 billion that merchants expect to lose this year to online fraud by spammers, scammers and shifty retailers.
Here are five tips for staying safe online this holiday season (and the rest of the year too):
1. Shop From a Secure PC
If possible, avoid using the family PC that your teens or children use to chat with their buddies and play games online. Those machines, especially if they’re a Microsoft Windows computer, are often already infested with spyware. An infected system will undermine all of the other precautions you might take to avoid online fraud.
Before you start shopping online, make sure your system is running with up-to-date anti-virus software, and that you’re using a firewall to block potential intruders. Just as important, be sure that your computer has the latest Microsoft software security updates installed.
2. Shop Smart, and Only at Sites You Know & Trust
Avoid search-engine shopping, which can often lead to random merchants you’ve never heard of. For the safest and most hassle-free online shopping experience, it’s best to stick with merchants you know and trust. Most importantly, make sure you have read and understand the merchant’s shipping and return policies before making any purchases.
If you’re worried that you’ll miss out on the discounts if you shop online, there are a number of well-established online coupon sites — such as couponcabin.com and currentcodes.com — that list different promotional codes that you can enter at participating Web merchants during checkout. Generally these discounts range from $5-off coupons, to 10-20 percent off of a certain purchase amount, to free shipping.
Be sure to print a copy of each receipt or confirmation e-mail you receive. Keep all of your receipts in a folder and filed away in a safe place.
Never buy anything advertised via unsolicited e-mail. Such offers are almost always a scam. Criminals even build attractive storefronts for fake businesses that close up shop within days of accepting your online order.
Research unfamiliar sellers. The Better Business Bureau and RipoffReport may offer insights on otherwise legitimate companies that have generated more than their fair share of consumer complaints.
3. Shop with Your Credit Card
Most online merchants accept both credit and debit cards. Under federal law, credit card issuers can only hold customers liable for the first $50 of fraudulent transactions, and most issuers will waive even that amount.
While debit card issuers have largely adopted that same approach, your bank account could be overdrawn while you dispute fraudulent charges, particularly if you don’t notice the fraud immediately. Experts say credit cards still present less potential for hassle when dealing with your financial institution should unauthorized charges show up later on a monthly statement.
“It’s still harder to get your money back from fraudulent transactions on a debit card unless the process is transacted in exactly the way the bank wants to be, and a lot of times consumers have no way of knowing whether a given purchase meets those requirements,” said Avivah Litan, a fraud analyst with research firm Gartner Inc.
Never, I repeat, never, shop at sites that ask you to wire your payment or send money orders.
4. Consider Alternative Payment Methods
For the truly fraud-wary online shopper, there are still plenty of alternatives to entering your account number at multiple Web sites. Many financial institutions and card issuers — including Bank of America, Citibank, Discover, and PayPal — offer customers the ability to generate unique, “virtual” or “one-time use” account numbers that are good for a single transaction or a handful of specified transactions only and cannot be reused.
While virtual account numbers may make shoppers feel safer online, they may be more hassle than they’re worth, Litan said. “These virtual numbers generally are there to protect [the card issuer] more than the consumer, but they do give some online shoppers more peace of mind.”
Gartner’s recent studies show online shoppers are starting to turn to other alternative payment methods, such as pre-paid gift and credit cards, and services like billmelater.com. The latter allows online shoppers to shop online at some well-known retail outlets without ever having to enter a credit card number (the company requests your name, address, date of birth and the last four digits of your Social Security number to decide whether to grant you instant credit). A number of participating sites are offering perks for purchases made through billmelater.com, such as free shipping and deferred payment for up to six months.
5. Get a Handle on Spam
If you worry that giving away your e-mail address at multiple online merchants might wind up cluttering your inbox with more junk mail, consider creating a new address for each new Web site that requires you to enter one as part of the registration process. This allows you take action if a merchant you’re doing business with sells or rents your e-mail address to marketers.
You don’t really need to create a brand new e-mail address for each site: Some free Webmail providers — most notably Google’s Gmail — will allow you to create as many “aliases” for the same e-mail address as you want.
Here’s how it works. Let’s say your Gmail address is janedoe@gmail.com, and you’re being asked to enter an e-mail address at widgets.com as part of their online ordering process. Simply enter the name of the retailer as part your real e-mail address by using the “+” sign. In this case, you’d enter janedoe+widgets@gmail.com. That way, future communications from that retailer or any company that happens to share that particular marketing list will come addressed to janedoe+widgets@gmail.com.
Later on, if a particular online merchant generates a wave of junk e-mail offers, you can create e-mail filters to automatically send all e-mail addressed to the custom address you created to the virtual trash bin.
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