Shopping online is a great way to save money, and it’s way more convenient than shopping in person. You can get some wonderful bargains doing your shopping online, and there’s no traffic to fight, no parking spaces to search for and no crowds to fend off at the shopping mall. But some people worry about the security of online shopping. After all, you need to type in your credit card number when you make an online purchase, and having to do that makes some people very 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.
To start using a virtual credit card is easy and can make a big difference in how you feel about the level of security when shopping online. The numbers on a virtual credit card are randomly selected d by a computer. This type of credit card is often called a substitute credit card. Their design is to provide peace of mind to those who worry about identity theft and fraudulent use of their plastic credit cards.No extra charge is involved with the use of virtual credit cards and they do protect your real credit card numbers from fraudulent use by others.
The bank or company who offer these virtual cards use a system which differs only slightly. The basic principal, however, remains the same.A credit card user can obtain a virtual credit card by signing up at the website of their credit card bank or company. This may require a download of software from that website. The software that is downloaded is used to generate the users substitute card number. When a shopper whishes to purchase online they will enter the number generated for their virtual credit card. This is entered to the company for your purchase.. No one knows your real credit card number but you and the bank or company who issued it. No possibility of fraudulent use or identity theft.
The use of a virtual credit card is wide and varied. Purchases can be made by phone, by mail (postal), not just online. Actually any purchase can be made with your virtual card other than an in-person purchase where a plastic card must be used.
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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