Online banking and shopping is such a convenience for many people, but it can also be a major risk. By paying with your credit card online versus your debit card, your risk of fraud is lower. Credit cards offer more fraud protection and prevention than debit cards do. Another way to protect yourself online is to not make and financial transactions over an unknown or unsecured WiFi network. Hackers can easily get their hands on your credentials if you make transactions on unsecured networks. Although online banking and shopping makes life so much easier, you also need to keep yourself and your information safe.