1. When you are searching for a spot to buy an item and no results appear to be from familiar retailers, you should be hesitant about entering your data. Look for security signs from Verisign or Cybertrust, which means you know the retailer is not in the market to take your hard earned money.
2. Be wary of overdoing it. It is much easier to overspend if you are shopping online. You start out to rationalize that you can spend more for those shoes because you saved money on gas and the food you would have gotten in the event you went to the mall, for instance. Give yourself a restriction and follow it.
3. If a website is not secure, do not buy something. Simply search for at the web address when you are shopping. If you notice an "https" instead of an "http," you can feel confident enough to insert your credit card information. However, if there is no "s" in the address, move on to a different site to be around the safe side.
4. Look for the right times to shop online. Often the stores that you frequent will have online sales that follow a time pattern. Many, for instance, schedule sales for the beginning of the month or at the end. If you notice there's a pattern, hold off on buying anything until the upcoming sales period begins.
5. To help protect your credit, use only one credit card for online purchases. This will help you quickly track your spending habits when the charge card statement will come in the mail. If you notice any charges that you did not make, call the credit card company immediately and report it to them.