Seasonal shopping fever starts with Black Friday and Cyber Monday in a few weeks, but we’ve already seen terrific sales offered online by retailers getting an early start. Every year more people make their purchases online, with the intention of saving time and money and avoiding the crowds. There are, however, some people who love the shopping season for different reasons. These are people we all want to avoid – Cybercrooks. They study our shopping behavior with one thing in mind – to take advantage of us for their own profit. Here are a few tips to lower your risk of falling victim to cybercrooks.
Protect your credit card well
The most important rule is to protect your credit card. While shopping online, the only information you generally need to authenticate a payment are the numbers written on both sides of your card. Along with the PIN code, these are crucial for the security of your banking account. Be very careful who you entrust with them.
- Never let anyone write down your card number or take a photo of it
- Never send those credentials by email, SMS, or tell them over the phone
- Never give your card to a website you do not trust or which does not use a secured (encrypted) connection
- Process your credit card data only from a clean (without malware infection) computer
- Limit the maximum value payable over the internet at your bank
Some of the points mentioned above require in-depth explanation. Let’s take a closer look at them. Read more…
They say that you can never have too much good advice. So in addition to the excellent set of Safe Holiday Shopping Tips we provided last week, here are three more simple rules of the road for safe and worry-free online experience this holiday season.
1. You can do more online and through mobile; just don’t do it differently. Doing more of what you normally do isn’t as much a risk as doing different things than you normally do. Try not to change your actual behavior, even though you’re doing more shopping and browsing online and through mobile. The less you stray from your normal habits, then the less likely you’ll encounter malicious sites, apps, or messages, and the less you’ll fall victim to fraud and other scams.
2. Scrutinize unusual messages. Be wary when receiving unsolicited or odd messages – even from people you know – and be especially wary if you do decide to act on them. Just like email viruses used to troll your address books, today’s malware will access your social networks. An odd message through your social network may well mean that your friend has been hacked. There will be plenty of scams and attacks that purport to be great last-minute deals, fake holiday cards that ask you to forward along to all your Facebook friends, confirmations or verifications for transactions you never made, and even fake warning messages about scams to avoid. All of these are just different attempts to get you to click on a link.
3. Don’t log in on a page you got to from an outside link. If a message takes you to a login page for a service that you use, look closely at the URL before entering your credentials. Better yet: just go to the site using your bookmarks or standard “www.xyz.com” address rather than signing in on the page you got to from a link.
Black Friday, the day after Thanksgiving and the busiest shopping day of the year, starts at midnight November 25th with mega-sales running throughout the weekend. Cyber Monday, the online retail equivalent to Black Friday, is the time when many consumers, who didn’t want to fight the crowds over Thanksgiving weekend or failed to find what they were looking for, shop online that Monday from home or work.
“For our US friends especially, this weekend is when retailers, offline and online, offer the best deals of the year,” said Jindrich Kubec, senior virus analyst at the AVAST Virus Lab. “It’s also when cybercriminals become hyperactive with scams and fraudulent offers.”