Ten Tips for Smart and Safe Shopping
Shipping, especially for next day delivery, could make the total purchase price more than what you would pay in a retail store. At one time, many sites offered free shipping as a way to attract customers. While those days are over except during the holidays, some sites still offer free or discounted shipping for select items and purchases over a certain amount.
7. Protect private information.All reputable sites should post a privacy policy that explains what they do with customer information. Take a few minutes to review it. If you don't agree with the policy--some sites sell data to third parties--don't shop at the site. Even if you have no objections, don't provide unnecessary information by filling out the optional fields in the order form.
8. Review the return and refund policies.How can you return unwanted merchandise? How long do you have? Will you receive a full refund? Who pays for return shipping? An e-tailer should provide answers. If not, call the merchant before you buy.
9. Pay with plastic.In the U.S.,credit cards offer the same consumer protection whether shopping online or offline--you are liable only for US $50 if your card is used fraudulently. You can also challenge charges and withhold payment in the event of a dispute with a merchant.
An alternative payment option, particularly for buying from auction sites, is setting up an account with PayPal. You electronically transfer money from your bank account into your PayPal account, then use it to pay merchants.
10. Print a copy of your order for your records.After you submit an order, you will get a screen with details of the transaction. Sometimes there is a link to a web page where you can check the delivery status. You may also receive an e-mail confirmation.
Last update: Nov 27, 2011
