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Shopping online is a great way to save time and hassle when it comes to shopping for Christmas gifts however although online fraud incidents have decreased in frequency in the past 2 years don't be one of the people who are caught out. There a few simple things you can do to ensure your Christmas isn't ruined by fraud- starting with using a credit card when shopping online.

The best way to give yourself peace of mind is using a credit card online because even in the eventuality that fraud did take place or that the company you buy from becomes bankrupt you can get your money back. This is especially important if you are buying any expensive products or gifts for Christmas- anything over £100. Your credit card is protected by Section 75 of the Consumer Credit Act which states you have to be refunded. You can also register your card with Verify for extra credit card protection- with Visa and MasterCard SecureCode and American Express has its SafeKey.

As well as using a credit card there are a few simple things you can do yourself that will help keep your money safe. Make sure you protect your PC with anti-virus software and check that it is up to date. When you use a website for online shopping look for the padlock symbol so you know it is safe to use your credit card. Before and after purchasing a Christmas gift keep records of the transaction, such as checking the site has a postal address and a landline as well as a mobile number. Save the confirmation email that you receive once the purchase has been bought too as proof and log out after you've finished your shopping.