It’s here. The Black Friday deals have already kicked off and the Turkey coma is still in full swing. Most retailers opened their doors at 6 PM Thanksgiving Day to kick off their Black Friday deal. Small Business Saturday and Cyber Monday are right around the corner. The next four days are the most active shopping days of the year. Unfortunately, they are also prime targets for cyber criminals, so be sure you stay safe this holiday shopping season.
I’m sure you have been inundated with Black Friday and Cyber Monday emails offering all sorts of deals. While most will be legitimate, you have the stay on the lookout for those that are not. My recommendation is not to click through on any links in these emails. Instead, open your web browser and type in the address yourself and go directly to the web site and search for the deal. You don’t want to fall prey to a hacker who impersonates a known seller and tricks you into visiting a fake site that looks like the real thing.
One Small Business Saturday, take note if the retailer you visit makes you use your chip, instead of swiping your credit card. The chip system has been in place long enough now, that there is no excuse for anyone to not require you use the chip. The chip is more secure as your credit card information and every transaction are encrypted and significantly harder to hack than when you swipe. If you see a retailer who still makes you swipe, you should not think twice about telling them you are not comfortable with their security and may have to shop elsewhere if they don’t implement chip technology. There are several warning circulating from consumer advocacy groups to law enforcement, warning about vulnerabilities to point of sale terminals that are not using chip technology. Don’t let a lazy retailer put your safety at risk.
Also don’t forget about Apple Pay, Samsung Pay and similar payment methods that you can securely use with your smartphone. Using these payment methods will always be more secure than using your card, so when available, use them.
On Cyber Monday, just like Black Friday, go right to the site and don’t click through on ads you see on other web sites or links in email offers that you receive. While it may be a bit less convenient to type in the site URL and then navigate the site to find the deal you are looking for, it’s a simple and effective step to help protect your online shopping activity.
Once you’ve made your purchase, be mindful of the many shipping confirmation messages you may receive and be mindful of what you have experienced in the past compared to what you may receive in your email inbox now. Fake shipping confirmation messages are a favorite of hackers to trick you in to entering some personal information in to a fake online form or tricking you to open an attachment which may then infect your computer without you knowing it. Once infected, a hacker could capture everything from access to your bank to passwords to all of your online accounts. Again my recommendation is to go directly to the web site where you made your purchase and look up your order and check the shipping information from there.
Another good practice for online shopping is to use a service like PayPal, Visa Checkout or other secure online payment service. This adds a layer of protection to your shopping to protect your payment information, which is the crown jewel of what most hackers want to steal. As always, keep a close watch on your credit card and bank statements. Picking up an unauthorized charge is always a sure way to know a hacker has stolen your identity or payment information. If your bank or credit card company offers it, setup alerts for any charge or withdrawal, so you get real-time awareness to what may be happening with your accounts.
Enjoy the holiday shopping season and Happy Thanksgiving! I’m thankful for you subscribing to my blog for updates.