By Wendy Bowen, Contributing Writer Since 2025
With the holidays just around the corner, online shopping has never been easier. From fast shipping to unbeatable deals and endless product options, it’s tempting to click “buy” at every opportunity. But along with convenience comes risk. The internet isn’t always a safe place to share your personal and financial information. Protect yourself this season by following these five tips.
Look for the Lock.
Before making purchases, check that the website has a padlock icon in the address bar or status bar. This small symbol indicates the site uses SSL (Secure Sockets Layer) encryption, which keeps your information safe from hackers. Also, verify that the URL begins with “https://” instead of “http://”. That single “s” letter makes a big difference in security. Avoid sites that don’t have these protections; your data could be at risk.
Use PayPal for Added Protection.
PayPal takes online security a step further by keeping your card information hidden from merchants. When you pay through PayPal, you log into your account rather than entering your credit card number directly into the website. This adds an extra layer of encryption. Always access PayPal directly through its website instead of clicking links in emails, which could be phishing attempts. Even with PayPal, double-check that the merchant’s site is secure. Multiple layers of protection are always better.
Review Your Statements Regularly.
Keeping an eye on your credit card, debit card, and bank statements is essential. Regularly checking your statements allows you to spot fraudulent charges quickly. Some accounts have time limits for reporting unauthorized transactions, so acting fast is important. Credit cards are generally safer than debit cards because, under the Fair Credit Billing Act, credit card companies must reimburse you for fraudulent charges. If something looks suspicious, report it immediately.
Avoid Public Wi-Fi When Shopping.
Public Wi-Fi networks, like those in coffee shops, airports, or hotels, are often unencrypted and easy targets for hackers. Entering personal information on these networks puts you at risk for identity theft. On your devices, turn off the option to automatically connect to nearby hotspots. Whenever possible, wait until you are on a secure, private network before making purchases. It may be slightly less convenient, but it is far safer.
Don’t Overshare Personal Information.
Retailers don’t need sensitive information such as your Social Security number or birth date to process a transaction. If a website asks for unnecessary personal details, leave immediately. Hackers can use this information along with your card number to access other accounts and cause significant damage. Only provide what is essential to complete the purchase.
By following these five tips – checking for secure websites, using PayPal, monitoring statements, avoiding public Wi-Fi, and limiting personal information – you can enjoy the convenience of online shopping while keeping your financial information safe. A few smart precautions now can prevent stress and financial headaches later, helping you to keep the holiday season merry and bright.