In 2004, consumer spending online is in a record $ 65.1 billion. Increasingly attracted by the ease of online shopping and spend large amounts. Unfortunately, the chances of becoming a victim of Internet fraud are also increasing. The Internet Fraud Watch National Center reported that the average loss to fraud victims in the first six months of 2005 was $ 2,579. This compares to an average of $ 895 for the year 2004. Complaints about general merchandise purchases (goods not received or misrepresented) accounted for 30% of Internet fraud complaints, and auction purchases (goods not received or misrepresented) topped the list with 44%.
While many e-commerce sites are reliable and have taken precautions to protect yourself, it never hurts to always proceed with caution. To make an online purchase consider these easy steps:
1. Use a single credit card, preferably with a low credit limit when making purchases online. Avoid using an ATM or debit card.
2. Beware of unsolicited offers by sellers. Internet Fraud Watch National Information Center reported that the email as a method of contacting Internet scammers was up 22% in 2004.While the offer may be legitimate, as spammers use this tactic to evade popular sites providing consumer protection for online purchases.
Use only the third known e-commerce sites that list an address and phone number if you need to contact them directly.
4. Read the privacy policy of the website. Some websites may reserve the right to sell / give your information to third parties. Check the document to see if they offer the opportunity to "opt-out" to receive special offers from other providers or permission to share your personal information.
5. Check for a padlock symbol in the status bar at the bottom of the browser window. Also, do not provide your personal information if the site address does not begin with "https" (a sign that the site uses a secure server).
6. Choose only verified sellers. Check if the vendor is a certified member of a reputable third party such as the Better Business Bureau, VeriSign, or Guardian eCommerce. These sites help to ensure that online consumers will be protected when shopping or e-commerce transactions.
7. Check the delivery date set is reasonable. If you do not deal with suppliers on a regular basis, be wary of any website that shows the shipment is delayed 20 days or more. Delivery dates of 7-10 days are common.
8. Keep a paper trail of all transactions online. Print a copy of the transaction and keep on file for future reference.
9. Be wary of offers web site that is too good to be true. The Internet is full of get rich quick scams and false advertising claims. Investigate all complaints before continuing.
10. If you do not get what you paid, and the seller does not return emails or phone calls, please contact your state consumer affairs for further assistance.





