Americans lost $12.5 billion to fraud in 2024, up 25% from 2023. Today’s scammers are constantly testing new tactics to trick consumers, from large-scale investment schemes to “urgent” text messages impersonating your boss. (Don’t reply.)
Unfortunately, scam attempts often spike around the holidays. With heightened online shopping activity comes gift card fraud, package delivery scams, fake charity solicitations and worse. Tactics like these are increasingly difficult to spot, so it’s important to keep your security measures current. Here are 7 tips to stay safe online this holiday season and beyond:
1. Use strong pass phrases/passwords
Use a password manager app to generate and store your login credentials for online accounts. When it’s available, enable multifactor authentication (MFA), a security measure that requires you to verify your identity using two or more methods before accessing an account (for example, providing both your password and a PIN code sent to your mobile phone). MFA adds a layer of protection to reduce the likelihood of an unauthorized person accessing your accounts.
2. Shop on secure websites
Look for “https://” and a padlock icon in your browser search bar before entering your payment details.
3. Try a VPN
A virtual private network is a service that enhances your cybersecurity by encrypting your internet traffic and masking your IP address, making it significantly harder for threat actors to intercept your data or track your online activities. It sounds complex, but it only takes a couple clicks to activate.
4. Use credit over debit
Credit cards often have stronger fraud protection, allowing you to dispute suspicious charges without losing actual money.
5. Beware of imposters
Scammers use urgency and fear, often posing as government, financial or other corporate entities. Never respond to unsolicited texts, calls, emails or direct messages on social media until you’re certain they’re authentic. Verify information by looking up the information independently from what you were sent.
6. Monitor your account statements
If you’re not already in the habit, consider keeping a closer eye on your account statements and report any suspicious activity to your account provider.
7. Shop brick-and-mortar stores
Why not support local businesses with some in-person holiday shopping? You even could pay in cash. The scammers won’t stand a chance!
None of us is immune to fraud, but taking these steps can help safeguard your money and information from criminals. Practice caution online, and don’t be afraid to ask for help. Explore our
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