P537 Teletext 537 Dec11 23:12:13    ——————————————————————————————————————— PLASTIC FANTASTIC FOR ONLINE BUYING Last Christmas, the number of people buying online soared more than 70% on 2002 to £1.32bn, according to industry body Interactive Media in Retail. This Christmas that number is set to rocket again as people gain confidence and embrace the convenience and weatherproof joy of virtual shopping. But with concerns over computer fraud never far from headlines, what is the safest way to buy online? ——————————————————————————————————1/7—— by John Stepek FOR LOTTERY, WE HAVE THE LOTTO p123 Savings Prem Bonds Savings TV Guide
P537 Teletext 537 Dec11 23:17:10    ——————————————————————————————————————— PLASTIC FANTASTIC FOR ONLINE BUYING When buying goods over the internet, a credit card offers a number of useful features, says Stuart Glendinning of moneysupermarket.com. Most credit card providers now offer internet anti-fraud protection. Under section 75 of the Consumer Credit Act, buyers may be able to get a refund from the card provider if goods are faulty and the dispute cannot be resolved with the seller. ——————————————————————————————————2/7—— "Best buy" personal loans 546 MONEY MATTERS! PERSONAL FINANCE p530 Savings Prem Bonds Savings TV Guide
P537 Teletext 537 Dec11 23:13:45    ——————————————————————————————————————— PLASTIC FANTASTIC FOR ONLINE BUYING Under section 75 of the Consumer Credit Act, when you buy using a credit card in the UK you have a contract with both the seller and the card provider. This 'equal liability' means you can claim compensation from either if goods are faulty or undelivered. This protection is especially useful if a seller goes out of business. But the purchase must cost over £100 and less than £30,000. ——————————————————————————————————3/7—— "Best buy" credit cards 546 SHARE MOVERS AND SHAKERS p513 Savings Prem Bonds Savings TV Guide
P537 Teletext 537 Dec11 23:18:23    ——————————————————————————————————————— PLASTIC FANTASTIC FOR ONLINE BUYING Most credit cards now offer internet anti-fraud guarantees, meaning if someone uses your card details without your knowledge you will not be liable. "Most new cards do it, but if you've had one for a couple of years it is worth checking," says Stuart Glendinning of moneysupermarket.com. Others offer internet delivery insurance which will refund your cash if goods do not arrive, or are broken. ——————————————————————————————————4/7—— Personal Finance headlines today 531 CHECK OUR CHRISTMAS EVENT GUIDE p370 Savings Prem Bonds Savings TV Guide
P537 Teletext 537 Dec11 23:17:49    ——————————————————————————————————————— PLASTIC FANTASTIC FOR ONLINE BUYING You don't need to obtain a specific type of credit card for buying online, any more than for buying on the phone. "You should make the decision based on your circumstances," says Stuart Glendinning of moneysupermarket.com. "If you always pay off the balance, go for a cashback card. If you've got a significant balance, get a 0% transfer card, or if you plan to make a lot of purchases, get a 0% purchase card." ——————————————————————————————————5/7—— Work out your holiday money 547 BACK A WINNER WITH RACING NEWS p550 Savings Prem Bonds Savings TV Guide
P537 Teletext 537 Dec11 23:18:04    ——————————————————————————————————————— PLASTIC FANTASTIC FOR ONLINE BUYING Other ways to maximise your security when shopping online include: When you go to make a payment online, check for a small padlock symbol in the bottom of your browser window, indicating the page is secure. This means your credit card details will be encoded before being sent. The web address should also change to begin 'https' rather than 'http', where the 's' stands for 'secure'. ——————————————————————————————————6/7—— Are you a Premium Bond winner? 539 FOR LOTTERY, WE HAVE THE LOTTO p123 Savings Prem Bonds Savings TV Guide
P537 Teletext 537 Dec11 23:16:26 Advertisement 7/7          DON'T SURRENDER YOUR ENDOWNMENT POLICY WITHOUT TALKING TO AAP  YOU COULD GET UP TO 35% MORE CASH BY SELLING YOUR POLICY INSTEAD.    CALL AAP NOW ON        Aap is authorised & regulated by the FSA Savings Prem Bonds Savings TV Guide