PERSONAL FINANCE

How to shop safely online

It's been a difficult year, and the holiday season will be no different. Online shopping is a convenient, easy alternative, whether you need groceries or gifts. But there are still risks.

Shop Online Safely

 

Everything's been different this year, and this holiday season is no exception. Online shopping is an obvious and convenient alternative to shopping in person, whether you need groceries or gifts.

However, there are risks with online shopping. It’s a good idea to remind yourself of some precautions you can take so you don’t fall victim to credit card fraud.

 


 

1. The main targets for cybercrimes

Criminals have three main avenues for targeting online shoppers:

  • Creating fraudulent sites and email messages 
  • Intercepting insecure transactions 
  • Targeting vulnerable computers

If you familiarize yourself with the warning signs of these three dangerous avenues, you’ll be well-positioned to avoid the stress and pain of identity theft and financial fraud.

 


 

2. Know where you’re shopping

You’ll get many emails that tempt you with amazing deals. Unfortunately, many of these emails will take you to fraudulent websites that appear to be legitimate but are out to collect your financial information.

Questions to ask:

  • Does the sender’s email address make sense?
  • Do you see any unusual ‘typos’ or alterations to the website’s address?
  • Some fake websites will even have ‘certificates’ that appear to establish authenticity, but examine these carefully: to whom were they issued?

In general, it’s safest to avoid links in emails or websites that are sent to you at random. Instead, navigate directly to the website you want to visit, whether it's Amazon or your favorite local indie bookshop.

Interested in a shopping or delivery app? It’s best to download it directly from the iOS App Store or the Google Play Marketplace, and be sure to check out the reviews.

Here are two related articles with useful information:

 


 

3. Look for the locks

Before you complete a purchase online, look at the page information. Do you see an ‘s’ at the end of ‘http’ in the web address (“https”)? Do you see a ‘padlock’ icon where the lock appears to be closed? That indicates a secured checkout site where your account information is encrypted.

Before entering your card or account information, always make sure the order page is legit and secure.

(And if you’re shopping with a mobile device, consider using the additional security of a feature such as Apple Pay).

 


 

4. Keep your computer safe and healthy

Vendors have the responsibility of keeping their sites and systems safe and secure from malware. Similarly, you too should take steps to guard against computer viruses and malware.

  • Be wary about clicking on links on strange emails or sites
  • Install anti-virus software.

 


 

What happens if things go wrong

You can do everything right and still be compromised. In addition to the precautions above, make sure that you:

You are protected against fraudulent activity on your SF Fire Credit Union debit and credit card accounts as long as you contact us as soon as possible after you discover the charge.

Disputes must be submitted within 60 days of the date of the Statement on which the fraudulent charge first appears.  

 

For additional details, check out this article from the Federal Cybersecurity & Infrastructure Security Agency (CISA).

Related Content

Personal Finance

9 Ways to Master Your Money

Are you tired of mon­ey prob­lems run­ning your life? Don’t wor­ry, you’re not alone. Here are 9 ways to mas­ter your mon­ey. Stop wor­ry­ing. Start get­ting ahead. 

Learn More

Personal Finance

How to Save Money by Automating Your Finances

These days, you can pay just about any bill with­out lift­ing a fin­ger. Set­ting up auto pay can save you time and mon­ey each month, and you’ll know that your pay­ments are always on time. 

Learn More

Loans

10 Types of Loans

There are many dif­fer­ent types of loans for dif­fer­ent pur­pos­es. Each has its own terms, require­ments, and repay­ment struc­tures. Learn more about types of loans, what they can be used for, and which ones you should avoid. 

Learn More

Discover More

FINANCIAL TIPS

10 things to cut when facing hardship

The best way to get through hard times is to take a few deep breaths and put a plan together.

Check out these common targets for quick and effective expense cuts.

Learn More
FINANCIAL SAFETY

How to spot identity theft

Credit and Debit Card fraud is just one example of Identity Theft. Learn more about how to protect yourself and other common schemes employed by identity thieves.

 

Learn More

Let's Talk

As a local credit union, we want to get to know you and help you achieve your goals. Come into a branch or call us today. Our people are happy to serve you.

Call or Chat

(415) 674-4800
(888) 499-FIRE (3473)
Mon – Sat 7:00 AM – 8:00 PM*

*Please note that 'After Hours Phone Support' is available outside of regular Contact Center Hours.

Chat Now

Stop by a branch

Branch hours
Mon – Fri 8:30 AM – 6:00 PM
Saturday 8:30 AM – 3:00 PM

Find a Branch or ATM