The holidays are a magical time, but they're also prime time for fraudsters. Keep your wallet (and your peace of mind) intact this season with these smart tips:
1. Shop Smart
Stick to trusted websites and verified retailers. If a site looks suspicious, or you're unsure about that too-good-to-be-true deal, pause before entering your payment info. And beware of flashy ads or sponsored links promising insane discounts.
2. Stay Secure Online
Only shop on secure Wi-Fi networks or use a Virtual Private Network (VPN) when possible. Public Wi-Fi can be a playground for cyber thieves.
3. Keep Personal Info on the Down Low
Oversharing online? Think twice. Details like your birthday, pet's name, or favorite color can be used to bypass security questions. Only share what's necessary.
4. Verify Every Deal
If an email or text promises jaw-dropping discounts, confirm it directly with the retailer. Scammers love "too good to be true" offers.
5. Keep an Eye on Your Accounts
Review your statements and credit reports regularly. Many people spot fraud early simply by paying attention. Tools like One Nevada's digital banking make monitoring easy, and you can access or freeze your credit reports at Equifax, Experian, or TransUnion.
6. Stay Current
Make sure your bank or credit union has your latest contact info. That way, fraud alerts reach you quickly, not after the damage is done.
7. Protect Your Mail
Shred sensitive documents, including pre-approved credit offers, and keep an eye on your mailbox. Physical theft is still a real risk.
8. Use Strong Passwords
Different accounts need different passwords. Use long, unique passwords for financial accounts, social media, and mobile apps. Consider a secure password manager if you're juggling a lot.
💡 Pro Tip: See if your financial institution has a fraud prevention webpage or FAQ—it could be a goldmine of holiday safety tips. One Nevada cardholders can also visit the Fraud Center for resources, alerts, and guidance to stay safe this season.
By following these steps, you can focus on the joy of the season, not the stress of fraud.