Despite being one of the happiest times of the year, the holiday season is also the time when opportunistic scammers are looking to prey on unsuspecting shoppers. Now more than ever, it’s crucial to keep your financial information protected during Christmastime and beyond. Security guards in San Jose, CA want to share 5 tips for preventing credit card fraud during the holidays.
1. Don’t Buy Gifts on Unsecured Online Networks
Public Wi-Fi is generally unsecured, which makes it far from ideal for shopping online or accessing your personal accounts. Criminals can go on the network and steal your username and password and any other information you have revealed while using public Wi-Fi. Though it might seem more convenient to use public Wi-Fi when on the hunt for holiday gifts, you should do your online shopping at home.
2. Use a Chip-Enabled Card to Shop
Most card issuers have put EMV chips into their credit and debit cards since 2015. These chip-enabled cards are more difficult to compromise than the older magnetic stripe cards, which can make your holiday shopping safer. Using a card with an EMV chip takes a few basic steps:
- Insert your card into the front of the terminal
- Follow the prompts
- Remove your card only when instructed
3. Only Use Cards at Retailers with EMV-Capable Terminals
An EMV card will not fully protect you from fraud this holiday season if you use it at stores that don’t have EMV card readers. Updated terminals can keep your personal data more secure and help you break your swiping habit.
4. Keep Track of Your Receipts
Keep track of all your holiday spending and other financial transactions, especially over the holidays when you are buying gifts and making charitable donations. If you don’t keep and double-check your receipts, you might never notice if you are overcharged or if there are any other issues with your finances. Report and dispute anything questionable immediately.
5. Don’t Share Account Information
Criminals are very active during the holidays, which is why it is important that, no matter how charitable or jolly you’re feeling or how busy you are, you should never let your guard down. Keep your credit card and PIN numbers private, and make sure to shred all documents that contain this data.
Though professional security guards aren’t necessarily able to prevent credit card fraud, they are able to watch for suspicious people, and they can also keep people and property safe in many other ways. If you are looking to hire security for the holidays, reach out to ADS Guards. We are a leading provider of residential, commercial, and event security services in San Jose. Give us a call today at 1-800-794-1550 for a free quote.