A great way to shop and save money is online. It’s convenient, easy and more comfortable than shopping in person. Great bargains are available when you shop online and no more fighting crowds at the local mall, searching for a parking space and no more traffic. Some people, however, worry about the security and the safety of using of online shopping.Are you are concerned and have fears about giving personal information over the internet? You do need to, after all, when shopping on the internet, give your credit card number when making a purchase. This makes many people nervous.
If that describes you, then never fear. There’s a safer way to do your online shopping. Just use a virtual credit card instead of your real credit card number. It’s easy, safe and secure. Several large banks, including Citi, Discover and MBNA, offer their customers the opportunity to use a virtual credit card number instead of the real credit cards they were issued. PayPal, a popular online payment service, offers the same sort of virtual credit card service as well.
Using a virtual credit card can make all the difference in how you feel about the level of security when online shopping. Virtual credit card numbers are random numbers generated by the computer. They are sometimes know as substitute credit cards. And designed to bring an individual peace of mind so they worry less about credit card fraud and identity theft.No extra charge is involved in using a virtual credit card and they protect your real credit card number from fraudulent use.
Each bank or company that offers virtual credit cards uses a slightly different procedure, but the principle behind them is basically the same. Credit card users sign up for the virtual credit card program at their credit card’s website, and often download some software from that website. The downloaded software is used to randomly generate the user’s substitute credit card numbers. When virtual credit card users are ready to buy online, they enter the virtual credit card number that’s generated into the online shop’s website, not their real card number. The only people who know the real credit card number is the user and his or her bank or credit card company. The online seller has no access to that information, so there’s no possibility of misuse or fraud.
A virtual credit card can also be used to buy things over the telephone or through the mail. So other than in-person purchases that require an actual plastic credit card, a virtual credit card can be used for just about any type of shopping, not just online.
If you’re a credit card user that’s concerned about credit card fraud or identity theft, consider signing up for a virtual credit card. It’s easy, free, and accepted as payment when you’re shopping on the internet, on the telephone or through the mail. Taking that step to sign up to use substitute credit card numbers is a very small price to pay for such a large amount of protection and security.
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