Safe Online Holiday Shopping
The holiday season is nearing for many of us and soon millions of people will be looking to buy the perfect gifts. Many of us will shop online in search of great deals and to avoid noisy crowds. Unfortunately, cyber criminals will be active as well, creating fake shopping websites and using other tactics to scam people.
Here we explain how you can shop online safely and avoid becoming a victim.
Fake Online Stores
Cyber criminals create fake online stores that mimic the look of real sites or that use the names of well-known stores or brands. When you search for the best online deals, you may find yourself at one of these fake sites. By purchasing from such websites, you can end up with counterfeit or stolen items, and in some cases, your purchases might never be delivered.
Take the following steps to protect yourself from fake online stores:
Scammers on Legitimate Websites
Keep your guard up even when shopping at trusted websites. Large online stores often offer products sold by different individuals or companies that might have fraudulent intentions. Such online destinations are like real-world markets, where some sellers are more trustworthy than others. Check each seller’s reputation before placing the order. Be wary of sellers who are new to the online store or who sell items at unusually low prices. Review the online store’s policy on purchases from such third parties. When in doubt, purchase items sold directly by the online store, not by the third-party sellers that participate in its online marketplace.
Online Payments for Purchases
Regularly review your credit card statements to identify suspicious charges. If possible, enable the option to notify you by email, text, or app every time a charge is made to your credit card. If you find any suspicious activity, call your credit card company right away and report it. Avoid using debit cards whenever possible. Debit cards take money directly from your bank account; if fraud has been committed, you’ll have a much harder time getting your money back. Another option is using well-known payment services such as PayPal for online purchases, which do not require you to disclose your credit card number to the vendor. Finally, consider using a gift card for online purchases.