The holiday season brings excitement, family, and celebrations, but it also brings a rise in scams. Criminals often take advantage of busy shoppers, especially online. A few simple habits can keep your holiday shopping safe and enjoyable.
Be cautious with unexpected messages
Watch for emails or texts that claim to be delivery updates or order confirmations. Scammers often use these to trick you into clicking harmful links. Learn more about spotting fraud in our recent article: https://yalebankiowa.com/stop-the-scam-how-to-spot-phishing-texts-emails-and-calls/
Verify online stores before making a purchase
If a deal looks too good to be true, it probably is. Search for reviews, check the website address carefully, and look for secure payment options. The Federal Trade Commission has a helpful guide to safe online shopping:
https://consumer.ftc.gov/articles/how-avoid-scam
Watch for fake charity requests
Scammers know December is a season of giving. To stay safe, go directly to the charity’s official website to donate. Trusted information on charity scams is available through the FTC: https://consumer.ftc.gov/features/scam-alerts
Avoid gift card payment requests
No legitimate business or government agency will ask you to pay with gift cards. This is one of the most common red flags of a scam.
Take your time at the checkout
Use chip or tap payments when possible, and shield your PIN if entering it on a keypad.
Staying alert helps protect your wallet and your holiday cheer.
