Please note that a debit card (even one that looks like a credit card) does not carry the same protection. Because funds are deducted directly from your bank account it is possible, in some cases, to lose all the money in your account including your line of credit. For more detailed information, please visit http://www.ftc.gov and select the Consumer box (upper left), then click on “E-Commerce & the Internet” for related articles.

5. Additional Fees

Some web merchants charge handling, insurance, or other fees in addition to the shipping fee. The bottom line can vary from one website to another. And you could pay more online than at the mall, but for many folks the convenience is worth the extra money. Especially with 38 inches of snow in the street, and more coming!

6. Shipping Options

Before finalizing your online shopping order, consider how your package will be shipped and when you can expect it to arrive. You will probably have the option to pay an extra fee for faster delivery, and another extra fee for insurance. If you are given a choice of shipping method, Tips for Shipping a Gift will help you to compare the services of four major shipping companies.

It’s up to you to make judgment calls when you order a gift online. Be sure to find out how to track your order, either online or by telephone, and make a note of your order confirmation number and/or tracking number.

7. Return and Refund Policies

Be sure you understand the terms of the merchant’s guarantee policy and how returns and refunds are handled. See if they will pay to ship a replacement if one is necessary (a definite plus, but don’t be surprised if they charge you for it). If a guarantee and/or return and refund policy is not easily found on the website, I recommend that you shop elsewhere.

8. Keep a Record

This is important! When you order a gift online, keep your order confirmation and any other online/email information, along with any receipts and return papers that come with the shipment, until your order is received in acceptable condition and your credit card bill is paid.

You will need to produce documentation if your package does not arrive as fast as you paid extra for, or if it is damaged in shipment, or if the merchandise is defective, or if you want to return or exchange it for whatever reason. Be sure to check the paperwork against your credit card bill and report any discrepancies immediately.

For sure, online shopping is convenient and fun and it saves time, hassle, and often a significant amount of money. There can be pitfalls, but remember that millions of trouble-free online shopping transactions are completed every day (every so often one of them is mine!).