It's that time of year between the holiday celebrations when shoppers storm the malls in search of Black Friday deals. Savvy consumers in the Bolingbrook area often choose instead to avoid the in-person pandemonium by shopping online. It seems like a perfectly sensible and smart way to score great deals on holiday gifts. And it usually is.
But while online shopping can help seniors and their caregivers avoid the crowds, it doesn't come without cybersecurity risks. Online shopping scams are a growing problem as cybercriminals get increasingly sophisticated. Here are a few tips on how seniors can stay safe, protect their personal information, and avoid eCommerce scams.
Be Wary of Opening Unexpected Emails From Retailers
Emails are a common method for retailers like Amazon or Walmart to showcase their special sales and offers to the buying public. Unfortunately, cyber scammers know this, creating opportunities for these criminals to trick unsuspecting consumers.
Seniors can guard their personal information against the hands of these nefarious email phishing schemers by checking the details before they click. Hover over the links to verify the address or visit the retailer's website directly. Always avoid opening attachments from any retailer as these can sometimes contain hidden malware.
Consider Using Your Credit Card Instead of Your Debit Card
Credit cards are generally legally safer to use than debit cards, especially when shopping online. There are several advantages to choosing to keep your debit card in your wallet and use a major credit card instead.
- Banks and credit cards are always on the lookout for fraudulent transactions. Some companies send out mobile alerts if suspicious activity shows up on your card.
- Major credit card companies offer "zero liability" policies so you won't owe anything should any charges be deemed fraudulent.
- You have more time to dispute a suspicious charge with a credit card company. With debit cards, money can be more easily and quickly withdrawn from your bank account.
- You can avoid interest charges by paying your credit card bill in full from the money in your bank account.
Remember to Use a Secure Network When You Shop
Public Wi-Fi networks are notoriously ripe for cybercrime, particularly during the holiday season. It is always a good idea for seniors to do their shopping from a home computer where the connection is private. If you are browsing the Internet on your smartphone or a public computer, be aware that any information you input is much more vulnerable to hackers. Shopping from home is the ideal way to have fun while you grab some of those cool Black Friday deals.
Pay Attention to the Website's Address Bar
You might notice that many websites have a padlock symbol right next to their address in the address bar. Though not necessarily an absolute indication of the website's safety, it does usually mean the website is using an HTTPS connection. An HTTPS (as opposed to just HTTP) shows that encrypted protocols are in place to better ensure security. It adds an extra layer of protection from cyber-attacks and is especially important to look for on e-commerce payment transaction pages.
Of course, knowing who you are doing business with is one of the best places to start. Research the company, look for contact information in case something goes wrong, and read online reviews. It is simpler than you think to stay safe while shopping for Black Friday deals online.
Senior Helpers Bolingbrook is your most trusted resource for getting customized, high-quality, in-home care for you and your loved ones. Our services are available in the Bolingbrook, Crest Hill, Joliet, Lockport, Romeoville, Downers Grove, Woodridge, and Darien areas. Contact us anytime for more information.