The holiday season can be an exciting and eventful time of year, where the spirit of giving is abundant and our digital shopping carts are full. The convenience of online shopping allows you to avoid busy stores and long lines, but it also exposes you to potential security risks.
To help protect you from online scams and credit card fraud during and after the holidays, we’ve created a guide focused on online shopping safety and credit card security.
Online Holiday Shopping Safety Tips
1. Keep Your Software Updated
Before shopping online, make sure your devices (smartphones, tablets, computers) are running the latest versions of their operating systems and security software. Updates often patch security weak spots that cybercriminals exploit.
2. Use Strong Passwords
Strong, unique passwords are your first line of defense. Use a complex combination of numbers, letters, and special characters. Make sure you use random words instead of common phrases, like song lyrics, names or movie quotes. Avoid using the same password across multiple sites, and consider a password manager to keep track of them all.
3. Review Privacy and Security Settings
Review the privacy and security settings on your devices and within each app or service. Adjust settings to minimize data sharing and maximize security.
4. Choose Reputable Vendors
Shop with well-known retailers or use trusted third-party platforms. Check reviews and ratings if you’re considering a new or less familiar vendor, ensuring they have a solid reputation for quality and service.
5. Beware of Phishing Emails or Text Messages
Cybercriminals frequently send phishing emails or text messages resembling those from trusted retailers. Look out for suspicious emails or texts that may attempt to trick you into giving out your personal information or downloading malware. Legitimate businesses will not ask for sensitive information via email or text.
6. Shop on Encrypted Websites
Ensure the website address starts with ‘https’ — the ‘s’ stands for secure. Look for a padlock symbol in the browser window to confirm that the site uses encryption, protecting your data as it travels across the internet.
Credit Card Fraud Prevention Tips
1. Understand Credit Card Protection Benefits
Credit cards often come with built-in fraud protection that limits your liability for unauthorized charges. In comparison, debit cards may offer less protection, meaning you could be liable for a larger amount if your card is used fraudulently.
Explore tips to keep your debit card secure here >>
2. Monitor Credit Card Statements
Regularly check your credit card statements for any unauthorized transactions. The sooner you spot and report fraudulent activity, the better. Many banks, like Fidelity Federal, offer alert services to notify you of unusual charges as soon as they happen.
3. Guard Against Suspicious Emails
Similar to the online shopping tip above, be aware of emails or messages that ask for your personal information, such as credit card numbers, PINs, or passwords. Banks and credit card companies typically will not ask for sensitive information via email. If in doubt, contact the company directly using a phone number or email address from their official website.
Following these tips and remaining aware and vigilant can help keep you safe and provide peace of mind when shopping online.
Apply for a Visa® Platinum Credit Card at Fidelity Federal
If you’re looking for a new credit card, consider applying for one at Fidelity Federal. Our Visa® Platinum Credit Card offers great benefits, including rewards points for merchandise and travel, cash rewards, travel accident insurance, tickets good on any airline with no blackout dates and more.
Feel free to contact one of our banking specialists at Fidelity Federal today to ask about our credit card options and security features. We’re happy to assist you!
