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How to Avoid Online Shopping Scams

Doing your holiday shopping online this year? Heed this advice to keep your bank accounts safe, prevent identity theft and protect yourself from fraudsters.

If you planning to do holiday shopping online this year, it's important to know that scammers are getting ready too.

The company IDentity Theft 911 offers the following tips to help protect yourself from scams and fraud while shopping online this holiday season, and all year long:

  • Shop on secure sites. Look for “https” in the address bar and a yellow padlock logo to the right of the Web browser address bar. Double-click on the lock to see a digital certificate of the website. Review these certificates on unfamiliar sites.
  • Make sure you are entering correct URLs. Hackers often buy misspelled domains to trick people into entering personal information.
  • Never enter your Social Security number or passwords to e-mail and bank accounts as part of the buying process with online retailers.
  • Use a different password for each online retailer, personal e-mail account and banks account you have. That way, if a hacker cracks one password, he or she won’t have access to others.
  • Read reviews of a site before making any purchases from it. For example, Pricegrabber.com compares prices and users’ comments for retail websites, and Google Product Search, slickdeals.net and dealews.com monitor retailers, site performance, possible issues and deals.
  • Never save personal information on an online retail website. Retailers will offer convenience and better deals, but many customer databases are breached by identity thieves. It’s not worth the risk.
  • Read a website's return and privacy policies before making purchases. If there’s any doubt about fairness, find another site.
  • Be aware of phishing email scams that include website links advertising incredible deals. Don’t click on them. Instead, type the link directly into your browser.
  • Use credit cards, not debit cards. Try to use credit cards with low limits to minimize the damage if a thief takes over the account. Or, use a “one-time” credit card number from a payment processor such as PayPal.
  • Never send payment information via regular e-mail. It’s not secure. Make sure all personal information transactions are done on a secure site.
  • Uncheck boxes advertising "additional offers." These services are sometimes offered for a low initial fee that later increases to a high, recurring charge on your credit card. Also, they’ll give your contact information to spammers.
  • Make sure mobile phones used for shopping are secured. Back them up regularly and enable security features such as power-on passwords and inactivity time locks. Learn how to clear browser caches and, if available, enable data encryption and antivirus applications.
  • As always, install and update antivirus, antimalware and firewall software on your computer. Update its operating system and Internet browser with the latest security patches.

Do you worry about buying online? Have you ever been scammed? Share your thoughts and experiences in the comments below.

Pandora December 03, 2012 at 12:22 PM
Thanks for the article. We all need to be more proactive about our personal account security. One thing you failed to mention is taking advantage of the 2FA (2-Factor Authentication). Although it’s been around for a while, more and more sites are starting to offer and promote this option. 2-Factor Authentication to complete a transaction while shopping online wins every day. I feel suspicious when I am not asked to telesign into my account by way of 2FA, it just feels as if they are not offering me enough protection. I know some will claim this make things more complicated, but the slight inconvenience each time you log in is worth the confidence of knowing your info is secure. This should be a prerequisite to any system that wants to promote itself as being secure.
ksuresh December 07, 2012 at 12:28 PM
Informative article. Just read a whitepaper on risks and prevention of identity theft and wirefraud, it offers very good information readers will find it helpful @ bit.ly/UavIbD
Mark Allen Ludlow December 11, 2012 at 05:39 PM
I suggest the customers and you should to get a membership of LegalShield service has the Identity Theft Shield service with its Kroll, Inc. is monitoring that will be alerting you for attending it for preventing a guy whom are attempting to steal yours. Visit my website has more information is at: http://www.legalshield.com/idt/markludlow I am happy to help you. If question? Call me, Mark A Ludlow, 520-468-7036 and call my partner business, Dr. David Hughes, 951-303-5995.

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