Online shopping and YOU
In the USA online shopping malls and websites address the limitations found in the online shopping process by offering near enough to a no-questions-asked return policy to ensure the happiness of the online customer. Even so, one downside of online shopping is having to wait to obtain the product, depending on whatever mode of shipping is selected. If a product needs to be refunded or returned for whatever reason, there’s the inconvenience of returning the product.
This often involves a phone call and trip to the local post office, after which one waits again to either receive a replacement or refund. Compare this to just running the item and receipt back to a local brick front store and having either a refund or an exchanged product in hand within a few minutes. The shopping hub… it is the perfect place to make your shoppings.
Let’s talk about security. In a physical store, cash can be used, and if a debit or credit card is used the shopper gets to see who processes his or her card. Also, one is usually not required to provide personal information such as a name and physical address. Not so with online shopping, as the item must be addressed and delivered to a person at an address.
Cash cannot be used online, so what entity processes the card and captures the personal information over the web? And how well is the personal information protected? One way to greatly reduce risk when shopping online is to use virtual credit card numbers. These numbers are provided by credit card issuers such as Citi and Discover, and can be used only once, so even if the credit card information is captured by some other entity during the transaction, it cannot be used to complete a second purchase. I use virtual credit card numbers when I shop online, and I highly recommend this practice.