Internet shopping is fast becoming one of the easiest ways to buy almost anything you want. You can shop at any time, day or night-without leaving home. All you need is your Lloyds TSB credit card. So if you’ve never shopped online before, but you’d like to try, we’ve put together this guide to help you.
Just follow these simple rules:
Browse before you buy
The internet is a great place to compare prices. Instead of going out to search the shops, you can do virtually everything without leaving home. Before you buy, take a look at different websites to find exactly what you want and get details of prices. Visa, MasterCard and American Express® are widely accepted at websites around the world and using your Lloyds TSB credit card on the internet can be as easy as shopping on the high street.
Shop with companies you know, or ones that have a good reputation
Take care with the information you give out over the internet. Don’t give your personal details, bank account numbers or credit card details to a company you don’t know or haven’t checked out.
We are seeing an increasing number of customers paying for goods and services that they have not received.
These include:
When shopping online always read everything on the page to understand what you are buying, in particular, remember to scroll down the whole page to see the detail of any other offer.
Click here if you have bought goods or services that you haven’t received or you receive fake goods.
Check the delivery and returns policy before you buy
The delivery and returns policy should tell you about the cost and method of delivery along with the return and refund details. Remember that returning goods to overseas suppliers may be expensive. Many websites will also have a frequently asked questions (FAQs) page that you can read if you have any problems or queries.
Watch for additional charges
Sometimes charges such as VAT, customs duties, delivery and packaging may be hidden.
Be aware of where the company is located
When purchasing from a company within Europe you may still be protected by some of your consumer rights under UK law, regardless of which country's laws are said to be applicable in the contract. If something goes wrong when purchasing from outside Europe it is likely to be more difficult and/or expensive to put things right.
Be careful when buying from private sellers
Be aware that when buying from private sellers your legal rights may not be the same as when you are dealing with a business. Always make sure you know who you are buying from so you can make an informed choice.
Always use a secure website for any payment transactions
You’ll know that a site is secure when an intact key or padlock symbol appears on your screen. Also, a secure website address will normally begin https:// instead of http:// - the “s” standing for secure. A secure connection ensures that your personal details are encrypted before being sent from your computer over the internet. This protects your credit card details from being seen by anybody else on the internet.
An intact key or padlock = secure
A broken key or padlock = not secure
Never send your credit card details in an email
Email cannot be encrypted and secured, so your credit card details are not safe in an email. Although unlikely, it is possible for someone to view emails sent over the internet.
Keep any internet passwords secret
If you register with a site or store you’ll be asked to choose a password. Just as you keep your PIN (Personal Identification Number) secret, you should never reveal your password to anyone else; and of course you should never give your credit card details to any other person for use on the internet.
Keep a record of all your online transactions
When you enter your details on screen, print off the page and keep it safe or save it to your hard drive. You should also keep details of the offer and the terms and conditions because information on the website may change after you make a purchase. Then if you have any queries about your order, or you need to return or exchange an item you’ll have confirmation of your order and the offer. Many companies will also email you to confirm your order, so also print and keep this at hand.
Check your monthly credit card statements for transactions you do not recognise
Remember to check your monthly credit card statements for transactions made over the internet. You need to be aware that some company names which appear on your statement may differ from their website names.
Inform us immediately of any transactions you do not recognise
If there are transactions that you do not recognise on your statement, or you have any other statement queries, please call Customer Services on the numbers below and we’ll be able to look into the transaction on your behalf.
What should you do, if you don’t recognise a transaction, a recurring transaction or believe that you have received fake goods or don’t receive the goods or service you have paid for?
You should try and resolve your dispute directly with the retailer. If you are unsuccessful then you can request assistance from Lloyds TSB.
To do this, please write to us the address below with the following information:
Credit Card refunds
Lloyds TSB
Disputes Processing
1st Floor
Queens Road Quadrant
1-5 Queens Road
Brighton
BN1 3XJ
Or please call Customer Services on one of the numbers below:
Platinum, Classic, Gold, Advance, Trustcard and Classic Reserve
0845 606 2172
Lloyds TSB Airmiles Duo Credit Card
0845 606 2175
