MilitarySpot.com

Serving the U.S. Army, Navy, Air Force, Marines, Coast Guard and National Guard

Online Schools
| Find Jobs
Follow MilitarySpot:
 
  • Home
  • Enlist
    • Join The Army
    • Join The Navy
    • Join The Air Force
    • Join The Marines
    • Join The Coast Guard
    • Join The National Guard
    • ASVAB
    • Army Physical Fitness Test
    • Military Draft
    • Prior Service Army Enlistment
  • Career
    • Join the Military
    • Jobs for Military and Civilians
    • Career Center
    • Prior Service Army Enlistment
    • Criminal Justice
  • Education
    • Online Schools
    • Spouse Education Benefits
    • GI Bill
    • Military Schools
    • Criminal Justice
  • Benefits
    • Army Benefits
    • Navy Benefits
    • Air Force Benefits
    • Marine Corps Benefits
    • National Guard Benefits
    • Coast Guard Benefits
    • Veteran Benefits
    • Basic Pay Rates
    • Allowances
    • Special & Incentive Pay
    • Military Spouse Education Benefits
    • VA Education Benefits
    • GI Bill
  • News
    • Headline News
  • Finance
    • Debt Relief
    • Military Pay Rates
    • Military Personal Loans
    • VA Loans
    • Military Star Card
    • Military MyPay
  • Spouses
    • School Finder
    • Scholarships & Grants
    • PCS, DITY, & Moving
    • Pay Rates
    • MyCAA
    • Education Benefits
  • Community
    • Military Games
    • Military Reunions
    • Classifieds
    • Photo Gallery
    • Buddy Finder
    • MilitarySpot Pinups
    • Military Bases
  • Resources
    • Military Alphabet
    • Military Reunions
    • Military Acronyms
    • Currency Converter
    • Military Tools
    • Ranks
    • Military Time
    • Military Tactics
    • Military Discounts
    • Military Games
    • Military Videos
    • Photo Gallery
    • Infographics
    • How To
  • Travel

Protecting Your Data and Identity During the Holidays

NOVEMBER 20, 2020 – During the holiday season, consumers tend to make a greater number of purchases than they do during the rest of the year. They also tend to be more distracted and face an increased risk of identity theft during the holidays.

There are numerous ways an identity thief can take advantage of you. Whether you’re shopping with credit cards, shopping online, using online banking or withdrawing money from an ATM, there are steps you can take to prevent identity theft.

Busy and distracted shoppers are targets for identity thieves
When shopping, be aware of your surroundings. Pickpockets are always a concern while you’re out in public spaces.

When you have completed a transaction, make sure you put your wallet safely away to protect your credit cards and ID. If you are paying with a credit or debit card, it is a good idea to keep the number concealed just in case someone behind you in line takes a picture of the card with a cell phone. It may look like the person is texting, but it is also possible that an identity thief is taking a photograph of your credit or debit card number, expiration date and your full name.

Identity thieves prey on online bargain-seekers
While most retailers provide safe and convenient systems for making purchases online, it is important to look out for potential scams.

During the holidays, scammers often take advantage of consumers’ desire to get bargains.

If you receive emails or text messages that offer you name-brand merchandise at a discount, it may be a scam.

These messages might look official, but they could be designed to get your financial information.

Avoid clicking on links if you do not recognize the sender. Even if the message seems legitimate, it is generally safest to visit a retailer’s website directly. Some of these fake websites are designed to look identical to a retailer’s website, so do not rely on the appearance alone.

Before entering your payment information on a retailer’s website, look for the “lock” symbol at the top of the webpage. This symbol indicates that the webpage is encrypted and that your information is protected from criminals. Sites that use “https” in the URL are safe and secure.

Criminals can access information sent through public Wi-Fi
If you have some downtime while you’re out shopping for the holidays, you may want to check your bank account or credit card statement to see how much you’ve spent.

While monitoring your financial data is an important method of detecting potential identity theft, submitting your private data over an unencrypted network may put your information at risk.

Criminals can access the information that is passed through these open networks.

Skimmers steal shoppers’ data
Criminals are aware that consumers spend significantly more money during the holiday season.

Ready to Join the Army? Contact a Recruiter Now!

One way identity thieves steal someone’s credentials is by attaching skimming devices to card readers or ATMs. These “skimmers” copy card information, which criminals can use to replicate the card and make unauthorized purchases.

Never use a card reader that appears as if someone has tampered with it. For extra protection, use your hand to cover the keypad when you enter your PIN so that it will not be visible to an onlooker or a camera.

How to know if your identity’s been stolen
Most credit card companies have fraud detection departments that monitor your credit cards for any unusual activity. If they detect suspicious purchases on your credit card, they may freeze the account or contact you to verify the purchases.

If you receive a call, text or email from the bank, do not reply with your personal information. Instead, call the number located on the back of your payment card to ensure that you are in contact with the financial institution and not a scammer.

Check your credit card and bank statements regularly to make sure there are no unauthorized charges listed. If you notice any charges that you did not make, contact the financial institution immediately to report the fraud.

Even if the charges are small, it is important to report it because some thieves “test” cards with insignificant purchases before they go on expensive spending sprees.

What to do if you’re a victim of identity theft
You should report it immediately. Here are the steps you can take if you suspect you’ve been a victim:

  • File a police report. Get copies of the police report — you may be asked for them when notifying your insurer, medical providers, the credit bureaus and others that you have been victimized.
  • File an identity theft complaint with the Federal Trade Commission online or call the FTC’s toll-free hotline at 877.438.4338. Consider placing a freeze or fraud alert on your credit reports.
  • Monitor your credit to spot potential identity theft and fraud. Being persistent by monitoring your accounts and reviewing your personal information is the best way to stay on top of potential threats. You can even review and correct inaccuracies on your credit report at no charge.

Final tips
There are all types of identity theft. An innocent consumer is unfortunately easy prey if they aren’t paying attention. Staying on top of your credit is crucial.

If you would like assistance pulling your reports and to ensure you are protected against thieves, call the Financial Readiness Program at 573.596.2078 to schedule your free confidential appointment.

By Rhonda Hutsell, Army Community Service personal financial readiness specialist

Related Posts:

  • Identity Theft: It Can Happen to You
    Identity Theft: It Can Happen to You
  • Air Force Observes National Cybersecurity Awareness Month
    Air Force Observes National Cybersecurity Awareness Month
  • Seniors at Increased Risk for Identity Theft
    Seniors at Increased Risk for Identity Theft
  • DoD Notified of OPM Cybersecurity Incident
    DoD Notified of OPM Cybersecurity Incident
  • OPM Breach Potential Victim Total Rising
    OPM Breach Potential Victim Total Rising
  • Filing Taxes Early? Your Refund May Not Arrive as Early as Last Year
    Filing Taxes Early? Your Refund May Not Arrive as…

Comments

Filed Under: Community, Resources

  • News
  • Enlist
  • Education
  • Career
  • Finance

Marines Put ‘Fight Now’ Concept to the Test

MARCH 3, 2021 – During exercise Hagåtña Fury 21, Marines and Sailors with Combat Logistics Regiment 3 honed expeditionary advanced base operations and distributed maritime operations capabilities across U.S. Indo-Pacific Command, alongside elements of 3d Marine Division and 1st Marine Aircraft Wing, from February 18 to March 1. The overall operation was designed to test […]

Answers to Top Questions About ACFT Equipment Fielding

OCTOBER 14, 2019 – As Army Soldiers start preparing for the new Army Combat Fitness Test, behind the scenes Army logisticians are also preparing to distribute more than 36,000 equipment sets to conduct the new test. At a recent Facebook Live event, watched by more than 150,000 viewers, Sergeant Major of the Army Michael Grinston […]

Navy College Program Transitions to DANTES MilEd Benefits App

FEBRUARY 26, 2021 – On 26 Feb., the Navy College Program (NCP) mobile app will sunset and Sailors will need to transition to the DANTES (Defense Activity for Non-Traditional Education Support) MilEd Benefits mobile app for detailed education information and support. The move to the MilEd Benefits mobile app will provide Sailors all the education […]

Air Force Updates Variety of Uniform Options

MARCH 3, 2021 – Airmen and Guardians will now have more dress and appearance options with upcoming uniform changes to Air Force Instruction 36-2903, Dress and Appearance. “These options came directly from feedback from the field through the virtual uniform board and feedback from commands in the field,” said Lt. Gen. Brian Kelly, Air Force […]

Navy Modernizes Tuition Assistance Debt Payments

JANUARY 4, 2021 – The Navy has modernized the way Sailors, Marines, and Coast Guardsmen can pay back tuition assistance (TA) debts beginning in January 2021. The new program provides service members with the option to pay their debt on a mobile device or computer using a debit card, electronic funds transfer (EFT) or via […]

Recent Posts

  • Marines Put ‘Fight Now’ Concept to the Test
  • Navy Optimizes Production of Military Eyewear
  • Admiral Offers Vision for Indo-Pacific
  • Airmen Lead the Way in Winter Storm Recovery
  • Navy Astrophysicist’s Sun Theory Confirmed
MAINMENU




SITESEARCH
Can't find something? Try using our site search to dig through our entire site.



Still having trouble? Try the Advanced Search to refine your searches.
NEWSLETTERSUBSCRIBE
Sign Up To Receive Information, Updates and Special Officers from MilitarySpot.com.



Don't miss an issue! Jump in the Newsletter Archives to catch up on previous issues.
FOLLOWMILITARY SPOT

Follow us on Facebook, Twitter & StumbleUpon and more. Keep up with MilitarySpot.com news & updates. We also have an RSS Feed.

Advertise | About | Contact | Feedback | Unsubscribe | DMCA | Privacy Policy | Terms of Use
 
Copyright 2004-2021 Sun Key Publishing. All Rights Reserved.



 
This is not the official recruiting website of the U.S. Military. The site you are on is run by Sun Key Publishing, a private company, and is not endorsed by or affiliated with the U.S. Military.