Identity Theft and Fraud Tips

Shopping safely online during the pandemic

June 16, 2020

Shopping online has its advantages, especially during these challenging times. Be a smart online shopper and protect your personal and financial information.

Tip #1: Pay with a credit card

Credit cards usually offer the best liability protection. Be sure to report any suspicious activity immediately, no matter the amount. Some scammers will test access to accounts by making small charges, then follow-up with much larger charges.

Your First PREMIER Bank credit card has the added benefit of Mastercard® Click to Pay, a password-free online checkout option. Pay faster and smarter online – no more passwords to remember or accounts to create. Mastercard Click to Pay lets you store all your payment information in one secure payment profile so that you can check out in just a few clicks. Learn more at https://www.mypremiercreditcard.com/Home/Help.

Tip #2: Shop at reputable sites

Make sure you’re shopping at a secure site by looking for “https://” at the beginning of the web address. The “s” means the site is secure and your information is encrypted. These sites are safe to enter your personal information and credit or debit card number.

Tip #3: Change your passwords frequently

Don’t use the same password for multiple accounts. Try to change your passwords frequently – every 30 days is the recommendation by the Better Business Bureau. If that sounds like a lot to remember, you can use a password manager.  Or try using pass phrases instead; they’re harder for cyber criminals to hack but can still be memorized.

Tip #4: Shop on secure networks

When it comes to shopping, make sure you use a secure network. Anyone could be watching your activity on a public wi-fi network, making your data vulnerable to hackers.

Tip#5: Be aware of scams

Be smart about the types of ads you’re clicking – whether they’re pop-up ads or sent to your email. Unless you’re sure about the retailer, avoid clicking as it’s an easy way for hackers to capture your information. Phishing emails often contain typos or grammatical errors. Check the sender’s email address before you reply or click. Read our blog post, Protect yourself from coronavirus scams, to learn more about how cybercriminals are taking advantage of people during the pandemic.

This information is presented for educational purposes only. It is not intended as, nor should it be construed to be, legal, financial or other professional advice. Please consult with your attorney or financial advisor to discuss any legal or financial issues involved with credit decisions.

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