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Cyber Security, Educational Blogs

Protect Yourself: Tips to Avoid Holiday Scams

November 27, 2024November 27, 2024
Protect Yourself: Tips to Avoid Holiday Scams

The holiday season is a time for joy, generosity, and connection—but it’s also a prime time for scammers to take advantage of busy and unsuspecting consumers. At UKRFCU, we care about your safety and want to ensure you and your loved ones can enjoy the holidays worry-free. Here are some tips to help you recognize and avoid holiday scams this season.

Beware of Phishing Emails and Texts

Scammers often send fake emails or texts claiming to be from trusted companies, charities, or even shipping services. These messages may ask for personal or financial information or contain links that lead to malicious websites.

Tip:

  • Avoid clicking on links or downloading attachments from unknown sources.
  • Verify the sender’s email address or phone number carefully. Legitimate organizations will never ask for sensitive information via email or text.

Shop Safely Online

Online shopping is convenient, but it’s also a hotspot for fraud during the holidays. Fake websites and too-good-to-be-true deals can trick shoppers into sharing payment information.

Tip:

  • Stick to reputable websites and double-check the URL to ensure it’s secure (look for “https://” and a padlock icon).
  • Use a credit card for online purchases instead of a debit card, as credit cards often offer better fraud protection.

Charity Scams

The holidays inspire generosity, and scammers exploit this by creating fake charities or impersonating real ones.

Tip:

  • Research charities before donating by checking platforms like Charity Navigator or the IRS tax-exempt organization search.
  • Be cautious of unsolicited donation requests, especially through email or social media.

Package Delivery Scams

With an increase in holiday shipments, scammers may send fake delivery notices claiming you need to pay a fee or provide information to receive a package.

Tip:

  • Monitor your online orders and track packages through the retailer or delivery service’s official website.
  • Do not click on links in unsolicited delivery emails or texts.

Gift Card Fraud

Gift cards are popular presents, but they’re also a favorite target for scammers. Fraudsters may ask for payment via gift cards or sell cards that have already been drained of funds.

Tip:

  • Never use a gift card to pay someone. Legitimate businesses and government agencies will not request this form of payment.
  • Purchase gift cards directly from stores and inspect the packaging for tampering.

Public Wi-Fi Risks

Shopping or banking online while using public Wi-Fi can leave your sensitive information exposed to hackers.

Tip:

  • Avoid entering personal or payment information when connected to public networks.
  • Use a VPN (Virtual Private Network) for an added layer of security.

Be Cautious on Social Media

Holiday scams on social media often include fake giveaways, contests, or advertisements for hot-ticket items.

Tip:

  • Verify the legitimacy of contests or promotions before entering.
  • Be wary of sharing personal details or clicking on links in social media ads.

What to Do if You’re Targeted

  • Monitor Your Accounts: Keep an eye on your bank and credit card statements for any unauthorized transactions.
  • Report Fraud: Notify UKRFCU immediately if you notice suspicious activity in your accounts. You can also report scams to the Federal Trade Commission (FTC) at reportfraud.ftc.gov.
  • Freeze Your Credit: If you suspect identity theft, consider placing a credit freeze with major credit reporting agencies.

At UKRFCU, we’re here to help protect your financial well-being. If you have questions or need assistance, don’t hesitate to reach out to us. By staying vigilant and following these tips, you can enjoy the season with peace of mind.

**No one from UKRFCU will call you requesting your personal or account information. If someone does call and asks for this information or you are suspicious of the call, ask for their name and extension, and tell them you will call them back. Call our number (215) 725-4430 or our toll-free number is 888-POLTAVA.

Ніхто з Кредитної спілки не дзвонить Вам із запитом на Вашу особисту інформацію. Якщо хтось дійсно дзвонить і запитує цю інформацію, або ви підозрюєте дзвінок від шахрая, запитайте його ім’я та номер та скажіть, що ви передзвоните. Телефонуйте за номером (215) 725-4430 або за безкоштовним номером 888- POLTAVA.