Holidays are a time to spread joy and cheer, often through the tradition of gift-giving and festive shopping. As consumers increasingly turn to online platforms to purchase gifts, the opportunity for scams has similarly expanded.
According to the National Retail Federation, 19% of total retail sales occur in November and December ahead of the holidays. Online shopping plays a significant role in these figures, currently comprising 29% of total sales. These statistics underscore the importance of staying informed and cautious to protect yourself from online holiday scams.
Here’s how to help make your online shopping experience safe and scam-free:
1. Never Give Out Personal Information
Protect your personal details, such as credit card info, address, phone number, and Social Security number. Scammers have become savvy, crafting emails and messages that appear legitimate. Always question the source and keep your information secure. For tips on digital safety, check out our article on Online Safety Problems & Solutions.
2. Use a Credit Card
Opt for a credit card over debit when shopping online. Credit cards offer the ability to dispute charges, giving you added protection if unauthorized use occurs. The law allows you to withhold payment during an investigation, which is not always the case with debit cards.
3. Check for the ‘S’ in HTTPS
Always ensure the website URL starts with “https” before entering any financial information. The “s” indicates a secure connection, meaning your data is encrypted and more difficult for scammers to intercept.
4. Stay Informed About Recent Scams
Scam tactics evolve quickly. Stay updated on popular scams like credit card skimming and fake websites. The FTC’s website offers resources and alerts on new scams, as well as options to report suspicious activity. Arm yourself with knowledge to protect yourself and others.
5. Use Computer & Wi-Fi Network Security Tools
Equip your devices with protection tools that offer leading security features such as blocking viruses and spyware, notifications of threats, and encrypted passwords. Our recommended options for this holiday season include:
ProtectIQ: Network-level security system to lock malicious sites
SecureIT: Computer anti-virus, anti-spyware, and anti-phishing software
PasswordGenie: Digital data and password manager
Finally, good judgment is your first line of defense. If a deal seems too good to be true, it probably is. Research and verify sources to safeguard yourself from holiday online scams. By following these strategies, you can enjoy a worry-free holiday shopping experience. Stay vigilant, and happy holidays!
