As the holiday season approaches, online shopping offers convenience and great deals. However, it also brings increased risks from cybercriminals. Here’s what you need to know to protect yourself:
Understanding the Threats
Phishing attacks have surged by an alarming 1,265% in the past year. These deceptive emails or messages often mimic legitimate retailers, aiming to steal your personal information or financial data.
Social media shopping has become increasingly popular, with 37% of consumers purchasing holiday gifts through platforms like Facebook, Instagram, and TikTok. While convenient, this trend exposes shoppers to potential scams and fraudulent offers.
Protecting Yourself: Before You Shop
- Research Websites: Only shop from reputable websites with good reviews. Be wary of unfamiliar sites, especially those offering deals that seem too good to be true.
- Verify URLs: Ensure the website’s URL starts with “https” and has a lock icon in the address bar. This indicates a secure connection.
- Check Security Certifications: Look for trusted certifications like TRUSTe, VeriSign, or BBB Accredited Business on the website.
- Use Antivirus Software: Protect your device from malware by installing and regularly updating reputable antivirus software.
- Update Your Browser: Ensure your browser is current to benefit from the latest security features.
During Checkout
- Use Secure Payment Methods: Opt for credit cards or secure digital wallets like PayPal when making purchases. Credit cards often offer better fraud protection than debit cards.
- Avoid Sending Cash: Never send cash or wire transfers for online purchases.
- Keep Personal Info Private: Don’t provide unnecessary personal information during checkout.
- Use Strong, Unique Passwords: Create complex passwords for each online account, and consider using a reputable password manager like Bitwarden.
- Enable Multi-Factor Authentication: This extra layer of security can prevent unauthorized access to your accounts, even if your password is compromised.
Identifying Scams
- Watch for Suspicious Emails: Be wary of emails with urgent calls to action or those creating a sense of fear or urgency.
- Beware of Fake Websites: Scammers often create fake sites that mimic legitimate ones. Double-check the URL and look for signs of authenticity.
- Be Cautious of Unbelievable Deals: If an offer seems too good to be true, it probably is. Research the seller independently before making a purchase.
- Check for Grammar and Spelling Mistakes: Legitimate sites usually don’t have glaring errors in their content.
- Be Cautious with Social Media Ads: While tempting, one in five consumers who click on social media gift ads risk exposure to malware or fraud.
After Shopping
- Monitor Your Accounts: Regularly check your credit card and bank statements for unauthorized charges.
- Report Suspicious Activity: Inform your bank or credit card company immediately if you notice any potential fraud.
- Keep Records: Save receipts, confirmation emails, and order numbers for all your online purchases.
- Avoid Public Wi-Fi: Don’t shop online or access sensitive information while connected to public Wi-Fi networks.
What to Do If You’ve Been a Victim of a Scam
If you suspect you’ve fallen victim to an online scam:
- Act Quickly: Time is crucial. Immediately contact your bank or credit card company to report the fraud and request a chargeback if possible.
- Change Your Passwords: Update passwords for all your online accounts, especially those related to shopping or banking.
- Report the Scam: File a complaint with the Federal Trade Commission (FTC) and the Internet Crime Complaint Center (IC3).
- Monitor Your Credit: Check your credit reports for suspicious activity and consider placing a fraud alert or credit freeze.
- Document Everything: Keep records of all communications related to the scam, including emails, chat logs, and phone calls.
Resources for Help
- Federal Trade Commission (FTC): For reporting scams and getting consumer advice
Phone: 1-877-FTC-HELP (1-877-382-4357)
Email: antitrust@ftc.gov - Internet Crime Complaint Center (IC3): For reporting internet-related crimes
File complaints online at www.ic3.gov - Better Business Bureau (BBB): For checking business reliability and reporting scams
Phone: 1-703-276-0100
Email: info@bbbsc.org
By staying skeptical and cyber-aware and following these guidelines, you can enjoy a safer online shopping experience this holiday season. Remember, your cybersecurity is the best gift you can give yourself!
You may also find our article on Cybersecurity versus Privacy interesting, or this one on online shopping safety and reporting scams.
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