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7 Habits Of Highly Effective Shoppers

November 14, 2015 Shopping No Comments Email Email

With Chinese Double Eleven Single’s Day around the corner, a huge shopping spree will be expected and it’s easy to imagine how passionate local shoppers can be when overwhelmed with an array of special deals and discounts. Hong Kong consumers are known as big fans of shopping, ranking no. 2 in luxury shopping among their Asian counterparts, according to the latest MasterCard survey on Consumer Purchasing Priorities.

Shopping can be a lot of fun for big spenders but there are also unforeseen slips during the process that can hinder a smooth checkout. To ensure you make the most of a day at the mall or shopping on internet, MasterCard would like to share some tips with you – be sure to follow these habits of highly effective shoppers:

1)      Begin with the End in Mind (Plan ahead). Before heading out, make a list of the items you need – and of course the items you want. Dislike wandering around not knowing where the shop is? Then plan your route beforehand to avoid getting lost.

2)      Be Proactive (For travelers, notify the bank beforehand). Using your credit or debit card when overseas might sometimes trigger a fraud alert resulting in your card being temporarily blocked for suspicious activity. So make it a point to alert your bank to your travel plans to prevent having to let go of purchases painstakingly picked out.

 3)      Put First Things First (Your card’s safety is #1). A day at the mall can be ruined by a lost, stolen, or fraudulently-used card. In the event that an unauthorized use of your MasterCard card has occurred, MasterCard cardholders are protected from the unauthorized transaction as long as they have taken reasonable steps to protect themselves from fraud. 

4)      Think Win-Win (Checkout faster, but just as secure). Skip waiting in a slow-moving checkout line by simply looking out for the universal contactless symbol . Contactless payments ensure more speedy and convenient checkouts because you don’t have to fumble for cash or correct change. Also, you can focus on your shopping list with your MasterCard contactless-enabled card, because during contactless transactions your card or device never leaves your hand, reducing the risk of card loss or counterfeit. So, shop, eat, tap, and repeat!

5)      Seek First to Understand (Education leads to appreciation). There’s a lot of information out there about “e-pickpocketing”. While data from payment cards can be read by unauthorized NFC applications, such data cannot be re-used to make a counterfeit card and is typically insufficient to perform a payment transaction. Fortunately, contactless cards can only be read on authorized NFC-enabled devices when less than four centimeters away. The added bonus: safeguards are in place to bill you only once, even if you accidentally tap twice.  

6)      Synergize (Kill multiple ‘birds’ with one card). Whether you are paying with a card, smartphone, or wearable device – your transactions are protected by multi-layered security. Such cards and devices have a secure chip embedded with the most advanced, industry-standard technology available. In addition, a unique security code is generated with each transaction and cannot be re-used.

7)      Sharpen the Saw (Stay abreast). Highly effective shoppers know not just how to prevent fraud but also what to do on that rare occasion if fraud does happen. Keeping up to date with the latest safeguards but also keeping at hand your bank telephone numbers allows you to shop confidently with peace of mind. To get more safety and money tips for international travel, check out this quick video.

Our other survey on online shopping found that security of payment facility is a key consideration when making online purchases in Asia/Pacific. So we have also prepared these handy tips for online shopping safety:

1)      Don’t Tell All (Guard your privacy).Unless you know who is collecting it and how it is being used, check the small print and opt out of sharing your information if you don’t want other people to use it. Look around to ensure privacy before entering your PIN and other personal information on a website.

2)      Look for the Lock (Use a secure browser). To make a safer transaction, use a browser which encrypts the purchase information you send over the Internet.

3)      The Upward Spiral (Enhanced protection against risk). Register for additional security with your financial service provider, adding another password known only to you for spending online, for example, with MasterCard SecureCode™, to avoid risk of credit or debit account numbers being accessed by fraudsters in cyber space.

4)      Check, Check & Check (Review your monthly statements). It goes without saying, but it’s important to keep records of transactions and payments online. Remember to check the payment details before submitting the final payment.

With festive seasons around the corner, why not begin with MasterCard Priceless Cities to look for more shopping and dining inspiration to bring to life some of the city’s best experiences through unique offers and privileged access?

Armed with this bundle of your best shopping companions, MasterCard wishes you safe and secure shopping!

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