While it may be the most wonderful time of the year, cyber criminals are looking for ways to stuff their own stockings – at your expense. The holiday season is also a busy time of the year for scammers because, in general, more money is being spent and more people are clicking through cyberspace for the best deals and tracking their purchases. KnowBe4 recently published a blog about the top five scams shoppers should be on the lookout for, and I wanted to pass these on to our readers. Consider the following information to be an early gift from me to you, and hopefully your bank account can welcome the New Year unscathed.
Read Also: Malware Threat Spreads To Smart Phones
1. Post-Thanksgiving Madness (otherwise known as Black Friday and Cyber Monday)
Thanksgiving is just around the corner, which means shoppers are already planning their early-morning shopping strategies. Sure there are great deals up for grabs, but there are also scammers looking forward to feeding on the hype in the hopes that you will let your guard down. Believe it or not, it can be pretty easy to mistakenly fall for those offers that appear to be too good to be true simply because we have become conditioned to believe that these deals are part of the overall allure. Tip: Before completing the transaction, visit the retailer’s actual website to make sure the deal is valid.
2. Don’t Miss This Deal – Your Facebook Friend Didn’t
Just because one of your friends shared a coupon or voucher on Facebook or another social media site, doesn’t mean it’s legit. In fact, hacked social media accounts are pretty common. Scammers like this approach because they know that you are more willing to take the bait if the scam comes from somebody you trust. If one of your friends is guilty of passing along some of these not-so-helpful posts, give them a call or send them a text to find out more. Chances are, you will be the one helping them out by letting them know that their account has been compromised.
3. What Do You Mean ‘There’s A Problem’?!
You’ve shopped, dropped and paid for two-day shipping and it looks like you will have your gifts in time for the next family gathering. But then your inbox gets hit with an urgent message from UPS or FedEx notifying you that there may be a problem with the delivery of your package. Fortunately, the email includes a link for you to click on to get the issue resolved. STOP! This is a common phishing scam. Scammers will often use this tactic in the hopes that you will click on the link. Before you know it, your computer has been infected with a virus … or worse – ransomware.
4. Click Here For A Refund
Similar to the UPS/FedEx scam identified above, this tactic is another attempt to get the unsuspecting consumer to click on an infected link. In this scenario, you might receive an email from a major online retailer – Amazon, eBay, etc. – with the message that there’s a “wrong transaction,” which requires you to click on a link to secure your refund. Instead of a refund, when you click on the link you will receive the gift of a security breech instead. Clicking on these links simply opens the door for scammers to access to your personal information, which will then be sold to the highest bidder and used against you later.
5. Use The Force Against Phishing Scams
Wouldn’t it be nice to win tickets to see Star Wars: The Force Awakens when it is released on Dec. 18? Sure, but given what you know now, would you be willing to take the risk and click on the link in your email to find out if the offer is real? Scammers use a variety of tactics to get you to make a mistake. This scam, for example, is another way popular culture is being used against unsuspecting victims.
Remember, whether it’s a deal, contest, sale, or any other type of offer, if it looks unbelievable or questionable (even if it appears to have been sent from a trusted source), don’t click on the link or open an attachment. If you have doubt, delete! KnowBe4 also offers readers two other great tips to keep your private information and your bank account safe 365 days a year:
- Never use a debit card online. Cyber criminals can (and will) wipe out your bank account in seconds once they gain access. You can protect yourself by using a credit card.
- Never use your credit card to shop when your computer is connected to an insecure public Wi-Fi. All online shopping should always be done on over a secure, private internet connection.