Before shopping

Check the product information. Pay attention to the watermark and the name of the store on the picture. Some stores may steal pictures from other stores.

Pay attention to communication with the merchant. You can "bargain" or ask for a detailed description of the product.

Check the store owner's credit history. Read other buyers' comments on this or related products.

During shopping

After confirming the purchase of the goods, please verify the information of the receiver.

Choose the right mode for transaction and avoid property loss. The use of a third-party payment platform for secured transactions provides a fair transaction guarantee for both buyers and sellers. Buyers pay through a third-party platform and check if the goods delivered conform to the description. If there is any problem with the product or if does not match the description, buyers can apply for a refund to avoid or reduce the loss. The seller can also choose cash on delivery to avoid the situation where the unscrupulous buyer does not pay after receiving the goods.

After shopping

Pay attention to the shipping progress once it is shipped. When it exceeds 15 days by mail or three days by express delivery, you should contact the seller to inquire about the delivery. Meanwhile, you can check the logistics information.

Check the quality of the product right after receiving it. Check whether the product is consistent with the product information, whether there is damage or other problems. If there is any problem with the product, you can choose to refuse the delivery.

Try to ask for invoice after successful transaction. It is recommended that after completing the transaction, the buyer ask the seller for receipt or voucher, reserve the remittance slips, and keep communication record with the seller, such as emails or text messages.

Keep transaction records

Cardholders should choose popular e-commerce websites with good reputation for online shopping. All important personal information including cardholder's ID number, bank card account, bank card password, credit card expiration date, security code (the last three digits on the signature on the back of the credit card) and transaction SMS verification code should be kept safely. Please be cautious when someone claims to be from the bank, UnionPay, or judiciary agencies and asks for the above information.

Stay away from free WiFi

Secure WiFi is usually protected with a password to prevent "squatting" and protect security. Therefore, it is best not to do online shopping when you use free WiFi without password. Do not perform any payment operations on public computers such as the ones in Internet cafés.

Tips for safer online banking

1) Online banking

Avoid using online banking on public computers in public places such as Internet cafés and libraries. Computers used to log in to online banking should be installed and updated with anti-virus software and personal firewalls.

Try to avoid accessing online banking through other website links to stay away from “phishing websites” or knockoffs.

Keep your personal information secure. It is recommended that you change your online banking password from time to time.

Immediately log out from the online banking and remove the mobile certificate from the computer after the operation is completed or when you are temporarily away. Keep the certification tools such as UKey or dynamic tokens secure.

Pay close attention to the changes of your account in a timely manner, and be vigilant if there is any abnormal change.

2) Mobile banking

Never use someone else's mobile phone to log in to your mobile banking;

Log in to the official mobile banking website to prevent online fraud;

Keep your user name and password secure;

Please reset your password in time if you disclose or forget your password;

Contact the bank if you lose your phone or change your phone number.

3) WeChat banking

Pay attention to privacy settings. The "People Nearby" function on WeChat can locate other people and users should close it after using. In addition, users should carefully limit the access to the "Moments", and do not disclose personal information on it.

Avoid mentioning sensitive information during chats. When the chat content involves sensitive information such as "account, password, transfer or payment", it is suggested not to reply through WeChat.

Set screen lock password. That way even if someone gets your phone, they will not be able to use it. In addition, the WeChat payment password should not be the same as the screen lock password or any other passwords.