Tag Archives: Online shopping

My life in a Digital Era

technology_1Technology bug has bitten all of us. There is no age bar, no sex bar. Every one has fallen prey for the bug.

Every day in the morning once I get up, first thing I do is check my smart phone for any new updates. This is even before I wear my spectacles (as before introduction of smart phones in my life, it was my spectacle which was the first thing I use to search for once I get up from bed). But now time has changed. Smartphones has taken priority.

So what is it on my phone that I cannot wait to check it later? Many things, first is whatsapp, then my emails (official and personal), then any news alert, then ofcourse any notifications of my blogs and last not the least FB updates … uufff done 🙂

Technology has played a very important role in our life. Earlier also we all use to complete our tasks on time without much help from any technology. But today, present time, technology has helped to accomplish many of the same task just on a click of it. Any help on any topic can be found on Google and it helps us to gain more knowledge on the same. Wikipedia and Youtube are two of the most visited sites for gaining indepth knowledge of any sort. Nowadays all smart phones have apps which help to get connected to anyone irrespective of he or she been in any part of the world.

Technology also has helped in improving education system. Tabs and iPads have helpedtechnology_2 kids learn much faster in way of visuals. Online shopping has become very much convenient and has helped us to save time. Online booking of tickets (movies, bus, rail, flights) has made our life easier and we don’t need to stand in long queues for it. Even most of the payments of our utility bills like telephone, electricity, credit card, LIC premiums are paid online helping to save our time. Net-banking has changed our views towards banking process. Instant fund transfer and faster processing of clearings is the new mantra of banking.

I am hooked to technology day and night. Online shopping is my new taste now. Other than this, booking online tickets, paying utility bills was always a part of my daily routine. Apps on my smart phones like whatsapp, skype has helped me be intouch with all my near and dear ones. A video call is just a click away. Not to forget WordPress app which I am using for my blog helps me get all my alerts and notifications on my mobile. E-book and e-paper has helped me to read while I am traveling. Instant news alert keeps me updated with the latest happening in my country. And thanks to email apps which has made my life much simpler and I can response and forward mails almost anytime and anywhere. I even pen down my thoughts on WordPad in my phone or laptop instead of traditional pen and paper.

technology_4In-short I have become heavily dependent on today’s tech-world. But am thankful that I have seen earlier days wherein technology was still a young child.

I would be really happy to know from you all whether technology bug has bitten you and whether it has made life simpler or worst.

Credit card fraud !!!

credit-card-fraudThis is a true story.

This happened to me and I am writing this so that you all can be aware of such fraud happenings around us everyday.

In today’s world internet is blooming and so is online business. One can find almost everything one needs for day to day life through online shopping. I myself buy lots of electronic goods and accessories through online stores. Booking of railway tickets and LIC premium payments are made using credit card or net banking facility.

Couple of months back, I had to purchase one software for my official use and hence I used my credit card to pay the same in USD. That particular website through which I made the purchase was associated with Paypal and the payment gateway was through Paypal website. So I had no choice but to register with Paypal. I used my ICICI bank credit card (my first credit card). Paypal has the policy to first register the card on their website which includes 16 digit card number, name of the card holder, date of expiry of the card. This is a mandatory step and being an IT techie I don’t like to register such details on any websites but was forced to enter it as per Paypal policy.

The paymcredit-card-fraud_1ent was successfully done and when I tried to delete my Credit card details which had got saved in the Paypal website, it did not allowed me to do so. Upon calling their Help Centre, I was being told that once the payment is successfully cleared from my credit card bank, then only I can remove the details which will normally take 48-72 hours. Now this was ridiculous and not acceptable at all. But again I was left with no option and had to remember to login on the Paypal website after 2-3 days and delete the details.

As usual, I am quiet forgetful and forgot this too. And just few days back I received two SMS on my cell and even emails mentioning that there were two transactions of 50$ each from my credit card thru Paypal website. I got shocked on receiving such acknowledgements, as no transactions were done by me. I logged into the Paypal site and saw details of the 2 online payment done to some company in China. I immediately called up ICICI bank customer care and informed them about the illegal transaction and asked them to stop the payment ASAP. Then next step was to call Paypal Help Centre team and I was informed to file illegal/fraud transaction complaint online through the website only. Though this happened on a weekend and luckily I was at home so I could do it immediately. If I had not reported this fraud immediately then my money would have got debited from my card and then nothing could have been done.

After seven working days, from the time the complaint was filled with Paypal, I finally got the confirmation from Paypal that the transaction was illegally done through some other country and I was not liable to pay anything. This gave me a sigh of relief (although the amount was not big but why I should bear the amount which was fraud). This time my immediate step was to clear my credit card details and delete my profile from Paypal. I also deactivated my old credit card and in-return ICICI issued me a fresh card with new card number.

In India, there is no provision if any such frauds happens with you wherein your insurance company pays back the amount to you if it is an illegal transaction.

But thanks to the technology (sms, emails) which helped me from becoming one more victim of fraudulent cases.