Credit Information and Personal Finance Resources | Credit One Bank

Credit One CentralTM

Explore ways to manage your credit and finances with Credit One Central. These informational articles and resources can help guide you in your everyday life.

Guide to Safe Online Shopping

Guide to Safe Online Shopping

Online shopping is, without a doubt, one of the most convenient ways to shop. No lines or crowds. No searching for a parking spot or spending time hopping from store to store. But, as with most everything positive technology has brought us, there can be downsides as well— in the case of online shopping, the security risk that comes with browsing the wrong site, or entering your personal and financial information online.

Cyber security is something you should keep in mind when making online credit card purchases, debit purchases, or buying through your bank account with an ACH transaction. If an online retailer’s account is breached, your private information could be vulnerable as well.

The good news is there’s a lot you can do to stay protected. Increase the odds that you’ll shop securely the next time you browse your favorite ecommerce sites by following these simple steps.

Use Secure Sites

When you are browsing the web, you’ll notice that some sites have icons positioned in an easy-to-see location, indicating the website has been verified as safe by a third party. These “trust seal” indicate that the webmasters of a site have implemented technical enhancements or have taken extra measures to make their website more secure for users.

The most important trust badge to look for is the one for SSL (Secure Sockets Layer) encryption. You’ll see the SSL badge in your browser’s address bar, usually in the form of a green lock icon. If you don’t see the green lock, you’ll probably see a shadowed lock with a red slash through it instead.

What does the lack of a green lock indicate? You guessed it: a less secure site. If a website doesn’t have the SSL badge, it means the webmasters haven’t gone through a verification process to confirm their identity as the owners of the site. Word to the wise: if a website does not have a valid SSL certificate, many security-conscious users will find it to be lacking in trust and refrain from making ecommerce purchases or even avoid entering any personal information into the website.

Other trust badges to look for include:

  • Shipping or payment badges, which will show up on online payment forms
  • Money-back-guarantee badges
  • Third-party endorsements like the Better Business Bureau (BBB), TRUSTe, and GeoTrust
  • Security badges from computer security software companies like McAfee and Norton

What about WiFi security? Is the internet safe when you use secure sites even on public WiFi? If you are using a public internet service, such as at a library, airport, or coffee shop, you can’t assume your browsing is safe. If you absolutely need to make a purchase while away from your private network, use your mobile phone’s private hotspot rather than public WiFi.

Use Unique Passwords

With all your online shopping accounts, it’s important to use strong passwords with unique characters, and to use a different password for every account. For example, it’s better not to use obvious terms, like ”password” or “computer.” Nor should you use personal information like important dates, family names, or any information related to your personal history such as schools and old addresses. This info could become compromised during a security breach.

It’s smart to use a mix of upper- and lower-case letters, numbers, and symbols. This will make each password for your online accounts extremely unique – and that much more difficult to crack.

Keep Your PC And Mobile Devices Up To Date

A lot of people don’t realize this, but downloading the latest software updates for your devices helps to keep your browsing more secure. Also, if you are running antivirus and malware programs on your PC, it’s important to routinely have the latest updates installed to ensure full protection.

Use Credit Cards Whenever Possible

When it comes to making purchases online, credit cards are the best option because of the added security they offer.

Generally, credit card issuers offer $0 fraud liability when suspected fraud is reported within 60 days. This eliminates a lot of the concerns with internet security and safe online shopping. If something happens, your card-issuer will usually reimburse you for the funds.

If you do use a debit card, always check with your bank to see what their card liability policy is.

For both credit and debit purchases, always report any suspicious activity to your bank right away. There are consumer protection laws in place that require financial institutions to keep you safe. For example, with a debit card, if you inform your bank within two days, your maximum liability cannot exceed $50.

What about ACH transactions – making purchases over the internet with your checking or banking account? Just as with using a credit or debit card for online shopping, monitor your accounts frequently and be sure to act quickly by contacting your bank if you notice anything is wrong. If you have to go through the process of having bank deposit account damage repaired, make sure you continue to monitor your transaction activity to watch out for other instances of fraud.

Be Vigilant With Your Financial Accounts

Fraud can happen within a matter of minutes. If you don’t regularly check your bank account statements, as well as your credit card accounts and any deposit statements, it’s hard to know when something happens.

What you can do to help stay on top of your accounts is to make a habit of looking over your accounts regularly. With cyber-attacks being as common as they are today, daily checking is a smart idea. You may also be able to set the fraud controls on your accounts so you receive real-time mobile device alerts. Most banking apps allow you to receive notifications when a certain amount of money is withdrawn or if there is any unusual activity. When you set up these types of alerts, you’ll know about any fraudulent activity the second it occurs, giving you the chance to act right away.

Once you get into the habit of safe, secure internet browsing and staying on top of all activity that goes on with your financial accounts, taking these extra steps will feel like second nature. The reality is that cyber threats aren’t going to go away. But that doesn’t mean you ever have to fall victim to them.


« Return
This material is for informational purposes only and is not intended to replace the advice of a qualified tax advisor, attorney or financial advisor. Readers should consult with their own tax advisor, attorney or financial advisor with regard to their personal situations.
Credit One Bank Testimonials

Customer Testimonials & Success Stories

Looking to reach your financial goals? See how Credit One Bank helps people purchase a house or car, handle emergencies and build their credit.

Read More

See If You Pre-Qualify Today

With a Credit One Bank Platinum Visa®, you'll earn 1% cash back on eligible purchases, terms apply, and receive many benefits like free online access to your credit score and $0 Fraud Liability.

In less than 60 seconds, find the card that's right for you!

Credit One Bank Credit Card

 Terms of Use 

Credit One Bank maintains our various websites (hereinafter referred to as "website") as a service to our customers and visitors in order to provide information about products and services and to facilitate communication with us. We require that all customers and visitors to our website adhere to these Terms of Use. By accessing our website and any of its pages, you indicate your acknowledgement and acceptance of the Terms of Use set forth herein without limitation or qualification. We may revise the Terms of Use at any time by updating this posting. You should therefore visit this posting to review the Terms of Use from time-to-time as you visit the website. For the purposes of these Terms of Use, references to Credit One Bank include its affiliates, directors and employees.

COPYRIGHT - The information and materials contained in the website, including but not limited to text and images herein (excluding certain images licensed from third parties) and their arrangement are © Copyright 2015 by Credit One Bank. The information and materials contained in the website may not be copied, displayed, distributed, licensed, modified, published, sold, used to create derivative work or otherwise used for public or commercial purposes without the express written permission of Credit One Bank.

LIMITATION OF LIABILITY - We use our best efforts to include accurate and up-to-date information and materials on the website, however, information and materials on the website are provided "as is" without any warranty of any kind, either express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement. Furthermore, we make no representations as to the accuracy or completeness of the information. The information and materials on the website may include technical inaccuracies or typographical errors. From time-to-time we may amend, change, add, delete, update or alter the information and/or materials contained in the website, including information regarding the products and services described or offered on the website, without notice. We assume no liability for any errors or omissions in the information or materials contained within the website and expressly disclaim any responsibility to update the information or materials contained within the website. By using the website, you acknowledge that we specifically disclaim any liability for any direct, indirect, special, unsolicited or consequential damages, losses or expenses arising out of your access to or use of the website, even if we have been advised of the possibility of such damages, including liability associated with any viruses or software which may impact a user's equipment.

GOVERNING LAW - You agree that your use of the website shall be governed by all applicable Federal laws and the law of the state of Nevada.

INFORMATION SUBMISSIONS - All information and materials (including but not limited to feedback data, documents, questions, comments, and suggestions) you submit to us via the website or email shall be deemed to be the property of Credit One Bank and may be used by us in a manner consistent with our Privacy Policy. We shall be free to reproduce, use, disclose, exhibit, display, transform, create derivative works and distribute this information and materials to others without limitation. Furthermore, we shall be free to use any ideas, concepts, know-how or techniques contained in such information or materials for any purpose whatsoever, including but not limited to developing, manufacturing and marketing purposes. Application information submitted to us shall be treated confidentially to the extent required by applicable law or as disclosed in the application and/or supporting materials.

ADVERTISING DISCLOSURE AND LINKS TO OTHER WEBSITES - We do not provide, endorse, nor guarantee any third-party product, service, information, or recommendation available through links from this website. The third parties providing products and services available through this website are not affiliated with us and are solely responsible for their products, services, information, recommendations, and all other content on their websites. We shall not be held liable for any third party's failure with regard to such advertised products, services, and benefits. Many of these advertised products and services are not FDIC insured, nor bank guaranteed. By responding to offers advertised on this website, you may be communicating information about yourself to the company that provides such product or services - for example, that you are a Credit One Bank customer. Please be aware that these third parties may have a different privacy policy than ours. Their website(s) may also provide less security than ours. We encourage you to check individual offers, products, and services to become familiar with any applicable restrictions or conditions.

 Security & Fraud  

We are committed to protecting the security of your personal information. We list some activities below that we perform in order to safeguard your data and some tips that you can follow to protect your security.

What We Do:

  • We employ industry-proven standards and technologies to protect information in our computing environment.
  • We protect our systems and networks from the Internet with Firewall systems.
  • We use 128-bit SSL encryption technology to protect sensitive information that is transmitted over the Internet.
  • We maintain a Global Digital Certificate signed by Verisign® that assures you are, in fact, communicating directly with Credit One Bank.
  • We control access to your information inside our company by limiting employee access to systems and data.

What You Should Do:

  • Protect your Username and Password. Avoid choosing easily guessed words or numbers. Avoid writing your Sign In information in a place where others can view it.
  • Use the "Sign Out" button to Sign Out from Online Account Access upon completion of your session and close your browser.
  • Do not use email for account-specific questions. Email is not normally encrypted and your account information could be intercepted.
  • Review your statement information regularly for unauthorized transactions.

Alerts Regarding Phishing and Web-Spoofing:

  • Phishing is an Internet scam (spoof) in the form of an email or pop-up box. The emails and pop-ups link to sites that look like well-known legitimate businesses and ask you to provide and confirm personal, financial, or password information.
  • Legitimate businesses do not ask for this information unless you initiate a request for a service. Please DO NOT RESPOND to these emails requesting personal identity, accounts or password information.
  • Scam emails often contain misspelled words, poor grammar, awkward or unprofessional writing and typos.
  • Be suspicious of urgent or alarming appeals that request security information.

Fraud Alerts:

  • Credit One Fraud Alerts messages are provided to you at no cost. You will not be charged for alerts received.
  • Message frequency varies, as they are only sent when there is suspicion of fraud.
  • Mobile carriers are not liable for delayed or undelivered messages.
  • For help send HELP to 89283.
  • Send STOP to 89283 to end future fraud alert messages.
  • For support contact us at 1-877-825-3242.

To learn other ways to avoid email scams and deal with deceptive spam visit the Federal Trade Commission site at


You are leaving

If you the 'Continue' button, you will be directed to a third-party website unaffiliated with Credit One Bank, which may offer a different privacy policy and level of security. Credit One Bank is not responsible or liable for, and does not endorse or guarantee, any products, services, information or recommendations that are offered or expressed on other websites.

the 'Return to' button to return to the previous page or 'Continue' to proceed to the third-party website.

Return to Continue