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Holiday Shoppers, Beware of These 3 Identity Theft Risks

Holiday Shoppers, Beware of These 3 Identity Theft Risks

Monday, December 02, 2019

Big sales, must-have items and a list that just seems to get longer: Holiday shopping can drain your wallet and your sanity.

Don’t let the stress erode your guard against identity theft, though. All that holiday shopping can leave you more vulnerable to scams.

Save yourself from falling victim by recognizing these sources of scams.

1. Unsecure networks and devices

Shopping over public Wi-Fi, such as an airport network, or leaving your devices without passcodes can make it easier for scammers to access your information, including your bank account and login credentials.

Tip: Secure your devices with passcodes and don’t enter sensitive information, such as your credit card number or Social Security number, onto websites while using public Wi-Fi.

2. Gift card scams

Rather than going after your credit or debit card information, some scammers want your gift cards. One red flag to watch out for: When you’re making a purchase on a website or over the phone and the seller takes gift cards from other retailers — like an iTunes or Google Play gift card — for payment, that’s a sign of trouble.

Paying with a gift card can leave you vulnerable because there’s little protection if a vendor doesn’t hold up its end of the deal. “People should use their credit cards for purchases, because they have the most protections,” says Lisa Weintraub Schifferle, staff attorney at the Federal Trade Commission.

Tip: Avoid retailers that require payment via gift cards from another company.

3. Phishing websites and emails

You get an email from a relative with a dancing Santa, or enter your information on a website that promises the lowest price on big-ticket electronics — if you create an account. But when you click on that festive image to get that coupon, your info could be in the hands of scammers.

Exposing your information to a sketchy website can leave you vulnerable to identity theft down the road. If you use the same login credentials for multiple accounts, for example, a scammer could use that information to get into your email or bank account.

Tip: Don’t click any link or image in an e-mail you don’t recognize, and use different login credentials for different websites. If the e-mail contains an image linked to a website, you can hover your mouse over the image to see a preview of the link. If you do not recognize the website, do not click the link.

This article originally appeared on NerdWallet.