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For a great lifestyle stores online shopping experience, you have to ensure that you follow a safe shopping guide. Believe it or not, experts believe that the best way for lifestyle shopping at online stores is through a credit card. This is partly because you have the right to dispute charges on your credit card, and you can withhold payments during a creditor investigation. Additionally, any unwarranted payments put on your credit card doesn’t give access of your real banking account to the hacker or scammer, and these disputes can be settled with the credit card company post an investigation. In fact, there are many people who love to indulge in online shopping from lifestyle stores and to always stay on top of their transactions; they use a separate credit card only for online payments. This tip does make it a lot easier to detect wrongful credit charges. While all online lifestyle shopping sites accept debit cards as well, a credit card in no doubt a far safer option. Not only does it make cash-less transactions a lot easier, it also allows you to earn points on payments made for company rewards and also safeguards your actual bank account information, both of which a debit card cannot do even though it facilitates cash-less transactions. Furthermore, debit and ATM cards are not protected by law to the extent that credit cards are. Please note that lifestyle shopping online by cheque or DD leaves you vulnerable to bank fraud. And sending a cashier's check or money order doesn't give you any protection if you have problems with the purchase. Experts also believe that for safe online shopping from lifestyle stores, one must never pay by money transfer. Today all web stores accept an NEFT transfer but in fact this transfer is the toughest to trace. In case a buyer has wired money to a fraudster; that money will never be traced back to a legitimate account. In fact, today many up and coming lifestyle India online shopping websites have more complicated membership forms and order processing forms. Fact is that many a times, these are not even legitimate companies but simply websites put in to place for data theft and identity theft. Any online lifestyle shopping centre that asks for too many personal details must be avoided. All a company has to know to complete a sale order is your email address to contact you, a phone number to send SMS updates and calls for the order dispatch and a delivery address to send the package to. Any other information like your exact birth date, occupation, salary, the bank you use etc is not something a website needs to process an order, and hence must be information you never enter in to a database. Many members only lifestyle online shopping sites require the shopper to log-in before placing or viewing an order. Do not use common information like birth date, name, license number etc as username and a password. In fact, if you use a lot of lifestyle shopping websites, it is best to keep password for all different and save these in a notepad, never on the computer itself in a simple file to refer to in case you forget your password.
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