As the holiday shopping season kicks into high gear, many Americans are gearing up for the rush of post-Thanksgiving deals. While the excitement is palpable, it’s important to remember that this time of year also brings an increased risk of cybercrime. Scammers are out in full force, targeting shoppers with tactics like credit card fraud, phishing and malware. So, how can you protect yourself from becoming a victim of holiday cybercrime?
1. Be Cautious of Email Promotions
With the holiday season in full swing, your inbox will likely be flooded with product promotions. However, not all of these deals are legitimate. If an offer seems too good to be true, it probably is. Before clicking on any links, double-check the sender’s information. Did the email come from a verified company? Do you remember subscribing to this brand’s newsletters? Are there any obvious misspellings in the communication? If you’re unsure, go directly to the company’s official website to verify the promotion. If the deal isn’t listed there, it could be a scam.
2. Beware of Fraudulent Malware
Everyone loves a great deal, but cybercriminals often exploit this eagerness by offering fake coupons or discounts through malware and deceptive apps. These scams can trick you into giving away personal information. Before downloading any new apps or visiting unfamiliar websites, do your due diligence. Be particularly wary of apps that request excessive permissions or ask for banking information. Remember, your banking details are private—never share them unless you’re certain the source is trustworthy.
3. Protect Your Personal Information
Many online retailers store your payment information after a purchase, making it easier for you to shop in the future—but it also makes you a target for cybercriminals. To minimize risk, avoid saving payment details, especially if you’re using a debit card. Credit cards are generally safer, particularly during the holiday season when scammers are most active. If you do store personal data on a retail website, use strong, unique passwords to safeguard your information.
Stay Vigilant and Stay Safe
Scammers are always looking for opportunities to take advantage of unsuspecting holiday shoppers, often by exploiting the search for discounted or hard-to-find items. To avoid falling victim, be extra cautious when receiving unsolicited emails or making online purchases. While following the tips outlined above can help you stay safe, it’s important to remember that cybercriminals are always evolving their tactics.
If you suspect you’ve been targeted by a holiday scam or cybercrime, contact Spencer Savings Bank immediately and report the fraudulent activity. Regularly monitor your account statements, and change your passwords to complex, unique ones.
We wish you a cyber-safe and happy holiday season!