Be Safe Shopping Online!

One of our values at Kitsap Credit Union is Service. We are deeply dedicated to providing our diverse membership, community, and organization with the utmost in service. This is why we would like to share a few tips to help you keep safe while you shop online.

Helpful Tip:

Is A Free Offer Really Free? If an online company is providing you a "free" offer and requests your credit card number, you will want to question whether the offer is really free. Online companies asking for credit card information for free offers may have added stipulation, such as requiring you to cancel within a specific timeframe, or return the product to avoid a charge to your account.

The Devil Is In the Details. Make a habit of reading the fine print and terms and conditions before placing your online order. There could be additional requirements, charges, and fees that are not immediately apparent.

Can I Get My Money Back? Read the merchantís return policy before placing your order and especially before returning any products. Many online companies have restocking charges and/or require a Return Merchandise Authorization before you can return the product. Be prepared: you may not be able to receive reimbursement for shipping and handling. It is also wise to request a signature and delivery tracking when returning products.

Wait! I've Changed My Mind. Be sure to keep accurate records of the details if you wish to cancel a purchase or a recurring charge, such as with a subscription. Ask for a confirmation number and the name of the person to whom you spoke when you cancelled the transaction, if possible.

Who Are You? Research online merchants before making purchases. Call the phone number provided on their website; you should be able to talk with a live person to ask questions about the company and their policies. Inquire about the merchant using an online search tool or contact the Better Business Bureau and/or the Federal Trade Commission to be sure there are not negative reports about the merchant.

Happy, safe shopping.

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