Tips for Secure Online Shopping
With Cyber Monday just around the corner, it's time to start planning your holiday shopping strategy to enjoy a secure and stress-free experience. This popular online shopping day typically starts at midnight on the Monday after Thanksgiving in the United States. Many people like to shop on Cyber Monday to take advantage of the deep discounts retailers offer on a range of products, from electronics to clothing. In this article, we'll provide essential Cyber Monday safety tips, including how to identify secure websites, protect your personal information, and avoid scams.
Stick To Reputable, Big-Name Retailers
When shopping online, especially during peak sales periods like Cyber Monday, stick with reputable, big-name retailers to minimize the risk of scams and fraudulent activity. Be cautious of third-party sellers, individuals or businesses that sell products on platforms owned by other companies, such as Walmart or Amazon. Before making a purchase, carefully check the "sold and shipped by" information to ensure it’s from a trusted seller. While some third-party sellers on reputable platforms may be legitimate, always exercise caution. Third-party sellers often offer lower prices, but they can also come with risks such as delayed shipping, poor quality, and misrepresentation of products.
Always access retailer websites directly instead of clicking on links from pop-up ads on social media or other websites. This helps prevent you from falling victim to fraud and counterfeit products.
Prioritize Secure Websites
If you prefer to support small businesses on Cyber Monday, be sure to shop on secure websites. Many small businesses and independent retailers have invested in secure online platforms to protect their customers. To confirm the website is secure, look for the HTTPS protocol (not HTTP) in the website address bar, indicated by a padlock icon. This encryption technology helps protect your personal and financial information from cybercriminals.
Remember, a secure website is a sign of a reputable business. By shopping with businesses that care about online security, you can protect yourself and your information.
Use Strong, Unique Passwords
Strong, unique passwords help protect your online accounts, including those you use for Cyber Monday shopping. Avoid using easily guessed passwords like "password123" or your birthdate. Instead, create complex passwords that combine uppercase and lowercase letters, numbers, and symbols.
Further increase your online security with a password manager. This tool can generate strong, unique passwords for each of your accounts and store them securely. Additionally, enable two-factor authentication (2FA) whenever possible. This extra layer of security requires a second form of verification, such as a code sent to your phone, so you can log into your accounts.
Beware of Deceptive Emails and Links
One of the biggest security risks of Cyber Monday online shopping is encountering malicious and misleading links. These can arrive in your inbox disguised as promotions or special offers from well-known retailers. Clicking on such links can have serious consequences, including:
- Malware Infection. The link could download malware onto your computer, compromising your personal information and financial data.
- Phishing Attacks. Clicking the link might take you to a fake website designed like a legitimate retailer's site. Once you enter your login credentials or credit card details, hackers can steal them.
Phishing emails often use addresses similar to legitimate companies, with slight variations like "walmart.co" or "wallmart.service.com" instead of "walmart.com." Even if the email looks legitimate, avoid clicking on any links. Instead, access the retailer's website directly by typing the official URL in your browser.
Shop Securely From Home
While it may be tempting to relax at your favorite cafe and shop away while sipping a peppermint latte, public networks are often unsecured. Ensure your online security and avoid public Wi-Fi; stick with home shopping on a secure network or a cellular data connection. This will help protect your personal information and financial data from potential threats. If you must shop online while away from home, consider using a Virtual Private Network (VPN) that encrypts your internet traffic and enhances your security.
Keep Your Devices Protected
Protect your devices by regularly updating your operating system and web browser for the latest security patches. Install and maintain reliable security software, including antivirus and anti-malware programs, to safeguard your system from malicious threats. These simple steps can reduce your risk of falling victim to cybercrime and provide a safer online shopping experience this Cyber Monday.
Leverage the Power of Credit Cards
When shopping online, it's wise to use a credit card for added protection. Credit cards often offer robust fraud protection benefits, which can help you recoup losses in case of unauthorized charges. The HFCU Emerald Visa® card, not only provides comprehensive fraud protection but also allows you to earn rewards on your purchases.
Be aware of the risks associated with using debit and prepaid cards for online shopping. Debit cards can directly access your bank account, making them a riskier option. General-purpose prepaid and store gift cards, while convenient, may not offer the same level of consumer protection as credit cards, especially when it comes to fraud protection and dispute resolution.
Pro tip: Though holiday shopping is fun and exciting, always use your credit card responsibly to avoid debt and financial stress.
Monitor Your Accounts Closely
After completing your Cyber Monday shopping spree, keep a close eye on your financial accounts. Review your credit card statements carefully for any unauthorized charges or discrepancies. Retain physical or digital copies of your receipts for future reference. And enable email or text alerts for account activity, such as purchases or suspicious login attempts. If you notice anything unusual, contact your credit card issuer immediately and report the issue.
So, shop smart, stay safe, and enjoy the savings. With a little care and attention, you’ll make the most of Cyber Monday while protecting your personal information and financial security.