Scams can show up almost anywhere: in your inbox, through a text message, over the phone, or while you’re shopping online. While the message or method may change, scammers often rely on the same thing: getting you to act before you have time to think.

Before clicking a link, responding to a message, or sharing information, take a moment and ask yourself:

  • Was I expecting this message?
  • Do I recognize the sender?
  • Is there a sense of urgency or pressure to act quickly?
  • Does the link or email address look unusual?
  • Am I being asked for personal or financial information?

Scammers may claim there’s a problem with your account, tell you that you’ve won a prize, or insist that immediate action is required. Don’t let urgency make the decision for you. Instead of using a link or phone number provided in an unexpected message, go directly to the company’s website or contact them using a phone number you know and trust.

Shop Smart This Holiday Season

With holiday shopping just around the corner, it’s especially important to keep those habits in mind. Scammers know this is a busy time of year, too, and may try to take advantage of shoppers looking for deals, booking travel, or making charitable donations.

A few reminders as you shop:

  • Stick with retailers and websites you trust.
  • Look for “https://” and the padlock icon before entering payment information.
  • Be cautious of deals that seem too good to be true.
  • Avoid making purchases over public Wi-Fi.
  • Verify QR codes before scanning them.
  • Never provide payment information through an unsolicited email or text.
  • Keep an eye on your account activity throughout the holiday season.

And remember, legitimate businesses won’t pressure you into making an immediate purchase or require payment using gift cards, cryptocurrency, or wire transfers.