Fraud Prevention Tips: Shop Online Safely Protect Your Money and Personal Information  

women using her credit card shopping on her laptop | Honor Credit Union

Online shopping is convenient, but scammers and cybercriminals often take advantage of shoppers through fake websites, phishing emails, fraudulent sellers, and stolen payment information. Taking a few simple precautions can help you avoid becoming a victim. 

Start with Safe Shopping Habits 

Before making any online purchase, make sure you’re visiting a legitimate website. 

Smart ways to stay safe 

  • Type the retailer’s website address directly into your browser instead of clicking links from search results, emails, or social media.
  • Shop with well-known and reputable retailers whenever possible.
  • Be cautious of deals that seem too good to be true. Deeply discounted prices are often a warning sign of a scam.
  • Take time to compare prices and review shipping and handling costs before completing your purchase.
  • Read the seller’s return, refund, and shipping policies before buying.
  • Trust your instincts. If a website feels suspicious or pressures you to act immediately, walk away.

Protect Your Payment Information 

The payment method you choose can make a big difference if fraud occurs. 

Best practices :

  • Use a credit card whenever possible. Credit cards offer stronger fraud protection and dispute rights over other payment methods.
  • Consider using virtual or temporary card numbers for one-time purchases if your card issuer offers them.
  • Use trusted payment services such as PayPal or other secure third-party payment processors when available.
  • Never enter payment information on a website you do not trust.

Look for signs of security 

Before entering payment information: 

  • Check that the website address starts with https://
  • Look for the padlock icon in the browser address bar
  • Review the site’s privacy and security policies

Keep in mind that security indicators alone do not guarantee a website is legitimate. Always verify the seller. 

Secure Your Devices and Accounts 

Cybercriminals often target shoppers through compromised devices and weak passwords. 

Protect yourself 

  • Use unique, strong passwords for shopping accounts.
  • Store passwords in a reputable password manager.
  • Enable multi-factor authentication (MFA) whenever available.
  • Keep your computer, browser, and antivirus software updated.
  • Consider using a separate email address for online shopping to reduce spam and phishing attempts.

Avoid risky connections 

Public Wi-Fi networks can expose sensitive information.

Instead: 

  • Use your mobile data connection when making purchases away from home.
  • Avoid entering payment information while connected to unsecured public Wi-Fi.

Verify Sellers Before You Buy 

Especially when purchasing from smaller retailers, marketplaces, or individuals: 

Check for legitimacy 

  • Look for a physical address and customer service phone number. 
  • Verify that customer support channels are active. 
  • Search for independent reviews and ratings. 
  • Check Better Business Bureau listings when appropriate. 
  • Don’t judge legitimacy based solely on a professional-looking website. 

For online auctions and marketplaces 

  • Review seller ratings carefully.
  • Understand warranty, return, and refund policies.
  • Read item descriptions thoroughly before bidding or purchasing.

Keep Records of Every Purchase 

Save important information in case you need a refund, exchange, or fraud investigation. 

Keep copies of: 

  • Order confirmations
  • Receipts
  • Product descriptions
  • Terms and conditions
  • Emails exchanged with the seller
  • Shipping information and tracking numbers

If possible, save digital copies and screenshots.

If Something Goes Wrong 

Even careful shoppers can experience scam attempts. Act quickly. 

If you suspect fraud or a scam 

  1. Contact your credit card company or bank immediately.
  2. Report unauthorized charges.
  3. Change passwords for affected accounts.
  4. Monitor accounts for suspicious activity.
  5. Save all communications and transaction records.
  6. Report the incident to the retailer and relevant authorities.

If a company notifies you of a data breach

  1. Place a fraud alert on your credit reports. 
  2. Monitor financial accounts closely. 
  3. Review credit reports regularly. 
  4. Take advantage of any free credit monitoring services offered. 
  5. Watch for phishing emails that may follow the breach. 

Quick Safety Checklist 

Before clicking Buy Now, ask yourself: 

  • Is this a reputable seller? 
  • Does the site use HTTPS? 
  • Am I paying with a credit card or secure payment service? 
  • Have I reviewed the return and refund policy? 
  • Does the price seem realistic? 
  • Am I using a secure internet connection? 
  • Have I saved my order confirmation and receipt? 

A few extra minutes of caution can help protect your finances, identity, and personal information while shopping online. 

Your Security Is Our Priority

At Honor Credit Union, protecting our members comes first.
Our Security Center offers guidance on fraud prevention, online safety, and safeguarding your financial well‑being.

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