It’s that time of the year again – Cyber Monday and Black Friday are here again, offering fantastic deals and discounts that are hard to resist. While the thrill of snagging a bargain is undeniably exciting, it’s crucial to be mindful of the potential dangers lurking in the vast realm of the internet. Before you dive headfirst into the sea of online shopping, consider these eight essential tips to ensure a secure and worry-free experience.
1. Safeguard Your Connection
Before making any online purchases, take a moment to evaluate the security of your internet connection. Unsecure connections can provide easy access for cybercriminals or hackers to infiltrate your computer. If possible, wait until you’re on a trusted home network with password protection. Alternatively, if you’re on the go, use your cellular hotspot instead of connecting to seemingly free, but potentially perilous, Wi-Fi networks. Remember, that “FREE wifi” might end up costing you dearly if cybercriminals gain access to sensitive information.
2. Check the Website’s Security
Pay close attention to the website address when shopping online. A secure page should display a padlock symbol next to the URL, which should start with “https.” This ensures that your connection is encrypted, adding an extra layer of protection to your sensitive data.
3. Beware of Suspicious Emails
Don’t be easily swayed by tempting offers in your inbox. Verify the legitimacy of emails, especially those promising incredible deals. Scammers often use enticing emails to trick unsuspecting users into clicking on malicious links. Take the time to inspect the sender’s email address and avoid clicking on any links if you have doubts about the email’s authenticity.
4. Verify Website Legitimacy
Be vigilant about the websites you visit. Double-check URL addresses, as scammers often create replica sites with slight misspellings to deceive shoppers. Learn more about recognizing legitimate websites on Chase.com to ensure you’re navigating trusted platforms.
5. Ditch the Universal Password
If you’re using the same password across multiple websites, it’s time for a change. In the unfortunate event of a security breach, having a unique password for each site prevents hackers from gaining access to all your accounts. Check out our password manager blog.
6. Embrace Two-Step Authentication
Add an extra layer of security to your online accounts by enabling two-step authentication. This could involve a combination of a password and a text message, email, authenticator app, push notification, biometric authentication, or a physical key. Learn more about it on Capital One’s article for comprehensive insights.
7. Read Policies and Privacy Rights
Though often overlooked, taking the time to read the policies and privacy rights of the websites you visit is crucial. Understanding the terms and conditions not only protects the seller but also safeguards your rights as a buyer.
8. Opt for Credit Over Debit
When making online purchases, consider using a credit card instead of a debit card for added security. Credit cards often offer better fraud protection, and in the event of unauthorized transactions, you’re less likely to be held responsible for the charges. Plus, it’s an extra barrier between your bank account and potential cyber threats.
As you embark on your Cyber Monday shopping spree, keep these tips in mind to ensure a secure and enjoyable online experience. Happy shopping, and stay safe!
