In an ever-changing world, online fraud is becoming the most common crime in the UK. It's evolving more than any other crime. With more and more cyber offenses it's worth remembering these handy security tips on the lead up to the big day:
Don't use public WiFi to shop. It may put your financial details at risk
Free wifi hotspots are always tempting to use when out and about. But as with most things online, you need to be careful that you don't fall prey to people trying to steal your personal and financial information. Read our tips on using public wifi.
Shopping using your credit card gives you added protection versus your debit card
If you purchase something online that's worth more than £100, it's certainly a good idea to use a credit card. If you spend more than £100 on your credit card, you have legal rights under Section 75 of the Consumer Credit Act. This helps you get a full refund from your credit card provider in the case of a fault that a company won't fix, or if a business goes bust before delivering your goods.
If you don't trust the sender, avoid clicking on links within an email
Don't assume anyone who's sent you an email or text message – or has called your phone or left you a voicemail message – is who they say they are. Phishing, vishing and smishing is when a website, online service, phone call or text message that poses as a company or brand you recognise. Find out more about what to watch out for on the Action Fraud Site.
Look for websites that start with 'https://'. The 's' means the information you exchange is secure
A legitimate site will have a web address beginning with https (instead of just http) and will show a padlock in the address bar too. If it doesn't have these, get out of there!
Emails and texts from courier firms could be fraudulent
Type the address of the website in your browser to make sure you are going where you need to get to. especially if the sender's email address doesn't tally with the trusted organisation's website address. You can also spot a fake email by the sense of urgency used in the language - a threat of immediate deletion of an account is unlikely to come from a real company. Read out more tell-tale signs of fake emails.
If there is one more thing you do before you start your online shopping this Christmas it's to install proper online security. Without it, you leave yourself open to a whole host of scams and threats. To give you and your family peace of mind to shop and browse safely from your mobiles, tablets and computers, add SuperSafe Boost in My Account for only £2 a month.
Do Not Provide Your Details to Every Website You Visit
Online stores provide an option for the customers to check out as a one time customer. If you are not shopping regularly from any site, avoid filling unnecessary information, just in case, to be safe.
Don't share your purchases on social media
It's tempting to show teasers of your online purchases, but be careful you're not showing your address on packages that have been delivered to you.
Check Your Bank Statements Regularly
Most of the banks now allow for setting up email notifications of any credit card transaction. If you see any charges that are unusual, they have to get reported, and suitable actions should be taken that are needed to get a prompt refund.