Before you start shopping:
- Make sure your computer, browsers, and Endpoint Protection (Anti-virus) are up to date.
- Check if your credit card company offers virtual credit cards for online purchases. This creates a temporary credit card number that can only be used at that online store. Likewise, if possible use only 1 credit card for all purchases to minimize exposure.
- Review what you plan to purchase and their prices. Don’t pay more by mistake.
- If buying on the go, avoid using public Wi-Fi and scanning QR codes.
While shopping:
- Protect each online account with a unique, complex password – consider a password keeper
Use multifactor authentication (MFA) with accounts for stores that offer it. - Avoid fake online stores by typing the URL into the address bar instead of searching for it.
Check the URL for misspellings and make sure they begin with HTTPS: and have the lock symbol to the left. - Check emailed ads for legitimate email addresses and URL links.
- Checkout using a credit card for fraud protection. Avoid using debit cards or services like Paypal and Venmo if they are linked to debit cards.
Awaiting your order:
- Be on the lookout for phishing emails and smishing (SMS and phishing) text messages.
- Common phishing and smishing attacks include “Your account has been compromised, click to verify your account.” or “Your package could not be delivered. Visit this link to reschedule.”
- Do not respond directly to the message.
- If you are unsure, call the organization directly using a verified number not the one provided in the email or text message.
Once everything has arrived:
- Review bank and credit card statements for any unknown charges.
- Confirm all orders have been delivered.