Consumers will face a slew of hidden threats as they pour into stores and scour retailers’ Web sites for holiday deals over the next couple of days.

Retailers are moving to use more secure technology that is expected to cut down on credit card fraud, but credit experts say identity thieves will still be attempting to steal data that they can use to commit fraud in stores and online.

1. Use a stricter log-in. Use a different password for each of your online shopping accounts so that if someone grabs your username and password for one Web site, they won’t be able to go on a shopping spree for other accounts.

2. Choose credit over debit. While debit card users are also protected from fraud, identity thieves who go on a shopping spree with your debit card would be tapping into the cash you need to pay your everyday bills. In contrast, fraudulent charges on a credit card would only take up part of your credit limit.

3. Use a chip card. This will be the first holiday shopping season where most retailers are required to have credit card terminals that read the more secure chip cards. The chips, which generate a new code every time they are used, are supposed to be safer than the magnetic stripes on cards, which send the same information for every transaction and are easier to copy.

4. Consider mobile pay. New mobile payment options such as Apple Pay and Android Pay let consumers shop with their cellphones at retailers and through certain apps. Instead of swiping or dipping their credit cards, shoppers tap their phones, which transmit a unique code to the retailer for each purchase

5. Monitor transactions. Most banks will refund consumers for fraudulent charges made with their debit or credit cards as long as they report it in a timely matter. Consumers should check their transactions every day or every other day to scan for unauthorized purchases, especially when they are using their credit cards frequently.

6. Stick to one card. Using one card for most of your holiday purchases can limit the number of cards you need to track closely. It also cuts down the chances that more than one card will be compromised.

7. Watch for phishing scams. Fraudsters often send e-mails that promise consumers a phony promotion if they enter their personal information or click a link. The messages can include logos that closely resemble those of the legitimate retailers. And the links may download malware on your computer that gives thieves access to your personal information. Shoppers should check the Web address included in the messages and avoid clicking on links.


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