Staying Secure & Safe This Holiday Season

Staying Secure & Safe This Holiday Season

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imagesAs most of us are frantically running around to find the last minute gifts for family and friends, we seldom think about security. Most of us trust the places we shop and assume they have all the latest and greatest sure payment methods. Here are a few ways to stay safe when shopping online and in store this holiday season.

1. Cash? What's that?

Most people don't use cash for anything anymore but it is really the most secure payment method if you think about it. Yes, you still have to go to an ATM or your bank and get the cash but at least you won't be giving your credit card info to any retailers and running it through any POS systems. If you're going to get cash, go to your bank, go inside or drive through, and fill out the withdraw slip to get your cash. This minimizes the risk of an ATM skimmer installed on an ATM getting your info.

2. Use Credit Cards Not Debit Cards

Credit cards are insured against theft and are not tied to your bank account. If you've ever had your bank account compromised, you understand how annoying it is trying to get funds back into your bank account. This process can take several days if not weeks depending on the bank. If the credit card is compromised you're not responsible for the charges and they're not taking the money directly out of your bank account. This means you can live your life and not have to wait for the funds to be put back into your account.

3. Don't Use The Same Password

In a recent study conducted by Javelin Strategy & Research, people that have 20+ online accounts are more likely to reuse passwords which makes it 37% more likely that your accounts will be compromised. 37% more likely!!! Yikes! So how the heck do you remember all of those passwords? Use a password manager to help you stay safe. Some examples of passwords managers are LastPass and DashLane. Just remember when you use a password manager you should use a stronger than usual password for your password manager account.

While we might be free of passwords in the future, they are here to stay for the time being. Stay safe this holiday season and use precautions when shopping online or in store.

Happy Holidays!