Consumer Handbook: Shopping Safely on Cyber Monday
The Monday following Black Friday, known as Cyber Monday, has become one of the top shopping days of the year. But like so much else in 2022, not all of the deals will be just on Cyber Monday. Retail experts predicted many of the online shopping activities and special holiday sales started as early as Halloween and may continue throughout the holiday season.
But online shopping – even on Cyber Monday – has risks. Be wary of misleading advertisements, lookalike websites, and untrustworthy sellers. The following tips will help you shop online this holiday season, so you can achieve maximum savings while keeping your personal information and hard-earned money secure.
Beware of false advertising and phony websites. If a company is selling the hottest item of the year at a price that seems too good to be true, it probably is. Watch out for false advertising and keep a close eye on the web address in your browser. Scammers love to create lookalike websites that, at first glance, appear to belong to a trusted retailer. Make sure websites use the correct spelling of a business name and have legitimate contact information and customer service numbers. Shop with trustworthy sellers on secure sites only.
Be wary of businesses you aren’t familiar with. In addition, be sure any web page you purchase from is secure. Secure web addresses begin with "HTTPS" and not just "HTTP". Never put personal or credit card information in forms on non-secure web pages. Make sure you have antivirus software installed on your computer or mobile device, and that it is up to date. This will help you to avoid non-secure websites and pop-up phishing scams and help keep your personal information safe.
It’s always best to make online purchases with your credit card. If any shady charges turn up later, you will be able to contest them through your credit card company. Debit cards don’t offer this same protection. Never make purchases with online sellers by giving them prepaid debit cards or wiring them money.