The holiday season is a time for joy, celebration, and a whole lot of online shopping. Unfortunately, it’s also one of the busiest times of year for cybercriminals. As we browse for gifts, hunt for travel deals, and juggle end-of-year digital tasks, scammers and hackers ramp up their efforts to take advantage of the seasonal rush. Whether you’re buying presents, donating to charities, or simply managing your accounts amid the holiday chaos, staying vigilant is essential. Follow these tips to keep your holidays merry, bright, and secure.
Help Protect Your Online Accounts
Think about using “passphrases” as your passwords
A passphrase is a string of words like a sentence that is longer than a traditional password, easy to remember and difficult to crack.
An example of a good passphrase is: MorePizza4MePlease!
Make it strong by:
- Including 16 or more characters.
- Avoiding using personal data.
- Not reusing passwords across different services.
Consider using a digital password manager
A password manager is a tool that works across multiple devices and helps provide you with extra security by suggesting and storing strong, unique passwords for websites and apps.
In setting up your password manager you will need to create a password to access the tool. When creating this password, a passphrase could be beneficial.
Some devices or browsers may have password managers built in, like Google Chrome Password Manager, Apple Safari Password Manager and Microsoft Edge Password Manager.
Examples of password managers include: 1Password, Bitwarden and LastPass.
Ways to Help Protect Your Accounts
Use reputable antivirus protection
Antivirus software detects, prevents and removes malicious software (malware) from your devices. Choosing the automatic update feature can help ensure your software is up to date.
Update the software on your devices
Don’t ignore software and security updates, because they can help protect against the latest security vulnerabilities that hackers exploit. Turn on automatic updates in your settings to stay current with the latest software for your phone, computer, email and web browser.
Only buy from websites you trust
Think before you make an online purchase. Check the site security and user reviews to make sure it’s legit. Ask yourself if you’re comfortable sharing information site, and if the site will protect your information from hackers.
Avoid public Wi-Fi and use your phone data instead
Public Wi-Fi has virtually no security settings, so hackers can intercept your data. Scammers also set up networks with genuine sounding names, like “FreeAirportWiFi.” If you do use public Wi-Fi, don’t log in to anything sensitive on your device.
Steer clear of public USB charging stations
Public USB charging stations in places like coffee shops, airports and hotels can be used to deliver malware onto your device to steal your data. Instead, plug your power cord directly into the wall outlet.
What to Do If You Become a Victim
If you suspect identity theft, act fast. Here’s what to do:
- Contact your bank or credit card company immediately.
- Change passwords on affected accounts.
- Place a fraud alert or credit freeze with credit bureaus. The three main credit bureaus in the U.S. are Equifax, Experian, and TransUnion.
HOT TIP: You can get a free credit report every year from each credit reporting company at AnnualCreditReport.com. - Report the theft to the appropriate authorities or fraud-reporting organizations.
- Document everything — you may need it later for dispute or reimbursement claims.
Quick action can prevent further financial loss and help restore your identity sooner.
With careful habits, regular monitoring, and a cautious approach online, you can protect your finances, your accounts, and your peace of mind.
