Tis the week of Thanksgiving and Black Friday! While the bold and the brave are out on the retail store fields, homebodies will be snuggling next to their computer or tablet with that debit/credit card on standby.
The BBB, Better Business Bureau, has tips and advice for the Cyber Monday shoppers to stay ready and stay ahead.
Beware of false advertising and phony websites. If a company is selling the most popular item of the year at a price that seems too good to be true, it probably is. Watch out for false advertising and keep a close eye on the web address in your browser. Scammers love to create lookalike websites that, at first glance, appear to belong to a trusted site. Make sure websites use the correct spelling of a business name and have legitimate contact information and customer service numbers.
Shop with trustworthy sellers on secure sites only. Be wary of businesses you aren’t familiar with. Check their BBB Business Profile on BBB.org, look at the rating, and read customer reviews. In addition, be sure any web page you purchase from is secure. Secure web addresses begin with HTTPS:// and not just HTTP://. Never put personal or credit card information in forms on non-secure web pages.
Keep your antivirus software up to date. Make sure you have antivirus software installed on your computer or smartphone, and that it’s up to date. This will help you to avoid non-secure websites and pop-up phishing scams, and help keep your personal information safe.
Price check before you buy. Plenty of online sites will claim they have the best price on an item, but their offers can be misleading. Do your homework by comparing prices. Remember that the best deal may not be the real deal.
Take advantage of rewards and loyalty programs. Check your credit card rewards program for special point offers that could add up on Cyber Monday and throughout the holidays. Make purchases using loyalty programs; many major retailers have them.
Use your credit card. It’s always best to make online purchases with your credit card. If any shady charges turn up later, you will be able to contest them through your credit company. Debit cards don’t offer this same protection. Never make purchases with online sellers by giving them prepaid debit cards or wiring them money.
Understand return policies. Online store policies may change for Cyber Monday offers. Read the fine print before you buy. Understand the return or exchange policy for the specific item you would like to purchase. Be aware that stores may not allow returns for “final sale” or “closeout” items. Make sure to get gift receipts, so the recipient can return or exchange the item if necessary.
Watch out for phishing scams. Busy schedules and increased purchases make it easier to miss and fall to a phishing scam. Look out for unsolicited emails, texts, calls, or letters. These messages may claim you have a free gift waiting for you or that there is a problem with delivery. All you need to do is click on a link or give up your personal information. Avoid phishing scams by ignoring suspicious correspondence and calls from unfamiliar phone numbers.