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When it comes to choosing the right credit card to use for online shopping it's important to know you are using the best card for the job.
Not all credit cards are born the same, and some work harder than others at keeping your purchases and your money safe.
Here are the questions you should ask when choosing a credit card for online shopping.
Does it offer an Internet fraud guarantee or a safe shopping promise?
Going under the disguise of a few different names, if your credit card offers an Internet fraud guarantee or a safe shopping promise, then you know that if your credit card details find themselves going astray, you won't be held liable for any fraudulent transactions.
Will your purchases be insured against loss, theft or damage until they arrive safely at your home?
One of the best features a credit card can offer is a purchase protection insurance policy, or for online shopping, Internet delivery insurance cover.
Internet delivery insurance will automatically cover purchases made online against theft, loss and damage until they arrive safely to your home address.
Purchase protection insurance, is slightly different in the case that it covers purchases bought on the high street, and some policies also include Internet and mail order purchases. Items under this cover are insured against theft, loss or accidental damage for up to 90 days after the purchase date.
Will you earn any cash back, retail rewards or be privy to exclusive shopping discounts?
If you are going to be splashing out on your credit card, you might as well be getting a little something back!
Many credit cards offer cash back or exclusive shopping discounts, offering you savings and money back when you shop online with selected retailers.
Does it offer an introductory rate on purchases? - Giving you a little extra time to repay that plasma TV.
If you are thinking of treating yourself to a new plasma TV or a super-fast laptop, you might need a little extra time to repay your balance.
Getting a credit card with an introductory 0% deal on purchases, will give you that interest-free breathing space to repay your new purchase.
What is the typical APR?
Pretty fundamental, and sometimes overlooked is the typical APR for the credit card. This is the interest rate quoted as the law requires so that you may better compare credit cards before you choose one.
Going for a credit card with a low typical APR means you can save yourself money in interest charges when you carry a balance over from month-to-month on your credit card.
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