Remember, how we shop has changed. We've got several options now that include:
- Shopping at the store.
- Shopping online with delivery to the store.
- Shopping online directly.
Stay safe with each method by starting out your shopping the right way.
- Make sure your anti-virus and Malware are up-to-date.
- Think about using a digital wallet or safe charge feature.
- Choose one method and stick with it.
- Credit Card - EXCELLENT
- Gift card through Credit Card Company or Bank - GOOD
- Debit Card - Turn off overdraft
- Check - Least secure, avoid
- Sign up for online email statements.
- Check your transactions posted regularly.
- Don't click the links, go directly to the site.
For Safer online shopping, make sure your connection is secure.
- There is no such thing as totally safe.
- Look for a secure connection with an https:// instead of http://.
Credit Cards are the best choice.
- Automatic limit to liability
- Long period to report fraud or theft - 60 days
- The money "stolen" is not coming from your checking account - It's out in limbo with the credit card company.
- Extra benefits like extended warranty periods.
- Allows you to dispute broken or misrepresented goods.
And verify the safety "certifications" such as Verisign, GeoTrust, or McAfee SECURE.
What to do if you STILL get hacked.
- As soon as you notice any charge, for any amount, on your credit card statement, REPORT IT!
- To credit card company/bank.
- To credit reporting agencies - All 3.
- To FBI.
- To local police - non-emergency if local.
- Consider putting a permanent fraud alert on your credit reports requiring any new account requests to be verified by you.
- Best source? Federal Trade Commission www.Consumer.FTC.