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Cyber shopping tips
What you should know when shopping online
Cyber Shopping Safety Tips
Even if you consider yourself a shopping pro,
shopping online isn't without risks.
These tips from
can help you protect yourself and your finances as you search for that perfect gift:
1. Use a credit card rather than a debit card. Credit card payments can be withheld if there's a dispute with a store, and if the card is stolen, you won't have to pay more than $50 of fraudulent charges. But with a debit card, you can't withhold payments—the store is paid directly from your bank account. And if your card is stolen, you could be liable for up to $500, depending on when you report it.
2. Find out if the
public WiFi hotspot
you're using at a coffee shop or bookstore is secure. If it's not, your payment information could be compromised over the network.
3. It's risky not to
read the terms of service agreement
before you buy online. You could inadvertently sign up for subscriptions or get hit with additional fees or restrictions. Terms of service are often in small print or presented right when you are anxious to purchase.
4. Be careful if you're
buying event tickets online
as gifts. Some venues may practice restricted ticketing, requiring the same credit card used in the online purchase to be shown to get into the event.
5. Use caution buying digital assets like books and music—they can't be given away as gifts if they've been downloaded to your account. You should either purchase a gift card for the book or music site, or check with the company. Some services have ways to "gift an item" but it varies depending on the provider.
Protect Your Identity
Take steps now to protect yourself before going holiday shopping or travelling.
Review these pro-active suggestions and learn how to deter, detect and defend yourself against this growing crime.
Protect your identity by reviewing these tips from
The Federal Trade Commission Consumer Information website, "Recovering from Identity Theft"
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