As online shopping heats up ahead of the holidays, you should be aware of a scam called 'e-skimming.' (via CNBCMakeIt)
And if you're shopping locally, go in person to make a purchase. Small retailers often do not have the resources to completely secure their sites.
"From a consumer perspective, stick to the major retailers. They do a pretty decent job of ensuring that stuff is protected," says McElroy.Scammers are now using the same tactics they use to steal credit card information to steal gift card balances, McElroy notes. Whereas you'd likely notice a mysterious credit card transaction or money missing from your checking account right away, that isn't the case for gift cards.
"Who checks their gift card balances on a daily basis?" McElory says. "Thieves get a lot longer to hide."Emails from companies purporting to be Apple and Amazon, among others, abound during the holiday season, McElroy warns. Always double check for spelling and grammatical errors, and be weary of emails asking you to click certain links, which might be a phishing attack that gives scammers access to your financial information.
Regularly check bank and credit card statements, and set up credit card and bank account withdrawal alerts. If you receive an alert about a purchase you did not make, immediately alert your bank and credit card issuer.On top of your bank and credit card statements, you'll want to regularly check your credit reports, as well.
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