6 TIPS TO AVOID SCAMS WHILE HOLIDAY SHOPPING

With so many consumer purchases taking place during the holiday season, it is a good time to be particularly mindful of potential scams, security issues and added costs that may impact your online purchases. Below are 6 tips to keep your money safe while making the most of holiday shopping.
 

1. When shopping online, it is often wise to pay with a credit card instead of a debit card, if possible. Both payment methods allow you to dispute a charge if the merchandise never arrives or is different from what was ordered; however, with a debit card, the purchase is already deducted from your bank account and it may take days or weeks for your bank to reverse the charge.
    
2. When ordering online, ensure that the web browser has a secure connection before inputting or submitting payment information. In the address bar, a padlock should appear to signify that your session is secure.
    
3. Keep your receipts and be sure you understand the retailers' return policies and time periods so that you can return any unwanted items for a full refund.
    
4. Some retailers offer layaway plans or other payment options to allow shoppers to pay for items in installments or at a later date. Before agreeing to such a plan, be sure to ask whether the retailer charges a fee for it's program and whether payments and/or fees are refundable if the purchase is canceled or returned.
    
5. When purchasing gift cards, check whether there is an additional activation fee, and provide the activation receipt to the recipient. Additionally, consider the retailer’s financial situation before buying a gift card. If the retailer closes or declares bankruptcy, the recipient may not be able enjoy the card’s value.
    
6. If shopping with a new retailer, check with the Better Business Bureau at BBB.org to determine whether other customers have filed complaints against them.

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