With more of us shopping online for convenience and due to COVID, it is more important than ever to be a smart online consumer. Be sure to keep the following tips in mind as you shop online:
● Never do any shopping or access your bank account from a public, non-secure WIFI network.
● Be aware of unsecure websites – don’t order from unknown websites or if they don’t have the lock symbol on the bottom of their webpages.
● Try not to store your credit card information on websites when you make purchases. Hackers will have a harder time getting your information.
● Beware of ads on social media for great priced merchandise which is coming from overseas.
● Before you buy anything from a website new to you, do a quick web search for reviews of that site.
When shopping in person, you need to be aware, too. Thieves never miss a chance to take advantage of your distractions to skim your account information or even steal your entire wallet. Follow these tips to avoid the hassle of credit/debit card fraud:
● Never leave your purse or wallet open – keep it closed and close.
● Don’t let your credit or debit card out of your sight if you can help it.
● Consider getting an RFID wallet or card protector for your credit/debit cards – they are inexpensive and prevent people from cloning your cards without your knowledge.
● Check your bank and credit card statements regularly and report unknown or suspicious charges ASAP.
So many year-end solicitations are inundating our mailboxes and inboxes. Scammers and non-profits alike are aware of Memphis’s reputation as the most charitable community in the country. Before you donate, make sure you do a little bit of homework about the charity requesting your donation, especially if the charity is unknown to you.
· Give directly through the organization by calling or going directly to their website rather than over the phone or clicking a link through email.
· Don’t make a purchase, donate to a charity or conduct other financial business online while using a public Wi-Fi network. It might not be secure.