If you receive a text that says you have won a gift card to Walmart, Best Buy, Target, or other major retailer, don't be quick to claim it.... it could be a scam. Peggy Penders from the Better Business Bureau says people tend to act too quickly and give away personal information to acquire this gift card.
Don't respond "STOP" to those text messages either, even if it says to. This could actually send more information to scammers. It's best to just delete the message.
You have to be careful while shopping on-line. If you plan on buying anything from a website, make sure to check it out first. Some sites will offer electronics or luxury goods at a price that seems too goo to be true. Peggy says every year the BBB receives reports about folks who bought items on-line, and never received them.
It's also a good idea to do a Google Search of the website or the seller to see what others have said.
The holiday shopping is all hustle and bustle, and while you're struggling to carry all of those bags, thieves and scammers are looking for a chance to steal your wallet. Peggy suggests not carrying so much and keeping track of your credit cards and receipts. You also have to keep an eye out when handing that card over to cashiers.
When entering your pin number at an ATM or at the register, keep the keypad covered.
During the holidays, it can be easier to just pay with plastic rather then cash, but you have to careful with it. All too often, folks will misplace their credit cards in stores, drop it in the parking lot, or leave it on the cashier's counter. Peggy says it only take a minute for scammers to take down credit card numbers.
Look at your bank statements frequently on-line, don't wait around for the paper statement in order to catch and challenge any suspicious with-drawls before it gets out of hand.
And it's the season of giving, but make sure the charity you're donating to is legitimate. Unfortunately, scammers see this time of year as a way to solicit donations to put into their own pockets. Peggy says it's a good idea to check the BBB website every now and then.