To protect your personal information from identity thieves – here are some tips for safer and smarter online shopping:
Check out the seller before you buy
Read return policies
Before you buy, read the return policy to find out who covers the shipping cost on a return or exchange.
Know what you're getting
Read the product description closely. Name-brand items at greatly reduced prices could be counterfeit.
Don't fall for false emails or pop-ups
Delete unsolicited email messages asking for personal information, and avoid clicking links in a fraudulent email, it could install spyware on your computer.
Look for signs a site is safe
Look for a closed padlock on the browser's status bar, and the beginning of the website URL address should change from http to shttp or https.
Secure your computer
Your computer should have anti-virus and anti-spyware software, and a firewall, which must be updated regularly to help protect against the latest threats.
Consider how you'll pay
With an APG Federal Credit Union Platinum Visa® Credit Card, we’ll reverse the charge if the product isn’t delivered or isn’t what was ordered. And, you may not be liable for charges.
Know the full price, and check out incentives
Some "free" deals may come with strings attached, such as requirements to spend a minimum amount or buy certain products.
Keep a paper trail
Print and save records of your online transactions.
Turn your computer off when you're finished shopping
By leaving your computer on, scammers can install malicious software and then control it remotely to commit cyber crime.