Credit cards are the safest way to buy anything, they have protections if the charges need to be disputed.

‘Tis the season for shopping. How you pay for what you buy is key. A credit card, not a debit card, is your best protection. If the item isn’t right, never shows up or the site you bought it from is a scam, it’s simply a charge that your credit card company can reverse, with no money coming out of your pocket.

If you use a debit card, the bank can still get your money back, but it could take a while and that money is real cash out of your account.

If the shopping site “only” allows you to pay through
an app like Cash App, Venmo or even Zelle, you could be dealing with a scam site.

“These sources and these websites will often only ask for payment via a  wire service such as Paypal, Venmo, Zelle places where when those services that where the transaction is put through, those monies are gone. It’s very likely almost impossible for the consumer to get their money back,” said Dave Hollister, US Secret Service Cyber Fraud Task Force.

Your credit card or your debit card is tied to a bank or financial company, cash apps or what’s called…

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