Protect Your Identity While Online Shopping
November 7, 2018
Every year, countless American shoppers fall victim to identity thieves by not following a few simple rules while shopping online. Arkansans need to keep track of purchases and a watchful eye on bank and credit card statements to ensure transactions are legitimate.
“Arkansans need to remain guarded when it comes to protecting personal and financial information,” said Arkansas Attorney General Leslie Rutledge. “Black Friday and Cyber Monday deals often have us all shopping online more, but predatory scam artists are ready and waiting for an opportunity to steal your money.”
Attorney General Rutledge released the following tips to help keep consumers safe while shopping online:
- Look for the “lock” icon on the browser’s status bar, and the abbreviation “https” in the web address to be sure information is secure and to help guard the security of your information as it is transmitted to a website. Be sure your browser has the most up-to-date encryption capabilities by using the latest version available from the manufacturer.
- Read and understand return, refund and shipping policies before you make your purchase.
- Pay by credit card, which is the most secure payment method. Under federal law, charges can be disputed and consumer liability for theft is limited so long as consumers promptly notify the bank or credit card issuer. Additionally, many credit card issuers have “zero liability” policies under which the purchaser pays nothing if his or her credit card is stolen and used to make unauthorized purchases.
- Keep personal information private. Do not disclose personal information – address, telephone number, Social Security number, bank account number or email address – unless you know who is collecting the information, why they are collecting it and how they will use it.
- Be cautious when buying gifts from an online auction. Understand how the auction works and check out the seller’s reputation before bidding. Always ask about terms of delivery and return options. Never wire money for the purchase; use some other form of payment.
- Keep records of online transactions and check for emails from merchants while doing business. Merchants may email important information about purchases.
- Promptly and thoroughly review monthly credit card and bank statements for any errors or unauthorized purchases. Notify the credit or debit card issuer immediately if a card or checkbook is lost or stolen or if you suspect someone is using your accounts without your permission.
According to the National Retail Federation, 55 percent of consumers cited online shopping as the most popular shopping destination this year. They also expect holiday sales to increase 4.1 percent over last year. That means consumers are expected to spend an average of $1,007.24 this year on gifts.
Also, research companies before finalizing the online purchase to ensure it is a credible merchant, and check the anticipated delivery date to make sure it will be delivered in time for the holidays.
For more information about consumer-related issues, contact the Arkansas Attorney General’s office at (800) 482-8982 or consumer@ArkansasAG.gov or visit ArkansasAG.gov or facebook.com/AGLeslieRutledge.