Credit Card Articles

Many people are extremely intimidated at the mere thought of using their credit card to make online purchases. The fear of an invisible thief getting a hold of your information can be scary. The good news is that there is a way to make online purchases without jeopardizing any of your personal information. Disposable credit card numbers are becoming more and more popular to both consumers and businesses alike.

Disposable credit card numbers are random numbers that are generated by the issuing card company that are intended for one time, online purchases. They are valid only at the website that you make your purchase from and they expire after a short period of time, usually within a month or two from the time they are issued. This makes it extremely difficult for thieves because even if they were able to obtain that information they would probably not be able to use it.

The safety offered by disposable credit card numbers benefit both consumers and online retailers alike. They greatly lessen the probability of a thief being able to steal any personal information during a transaction or from the databases where account information is stored for a countless number of people. The retailer benefits from them because they can instantly verify and validate a transaction. They do not have to worry about fraud related charge-backs.

The only downfall to disposable credit card numbers is that they are not feasible for some transactions. Many retailers require you to show the card that you used to purchase an item when you take retrieve the item from them. This is especially true with airline tickets, theatre tickets, hotel rentals or car rentals. If you use a disposable credit card number, you do not have a card to show them. Making recurring payments with them can also be problematic. The disposable credit card number you use to make a payment with initially may have expired by the time you need to make another payment therefore it is not feasible for automatic payments. In some cases, it makes more sense to just use the original credit card on your account.

Disposable credit cards numbers can make online shopping safer and easier for many people. However, there is no substitute for common sense and personal responsibility. You should still take the necessary precautions to ensure that your online shopping experience is not only safe but also enjoyable.

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