Truity Credit Union Blog

How Can I Shop Safely on Black Friday?

11/6/2018

Q: I love Black Friday, but I worry about the risks. With the possibility of being trampled or of my credit card being compromised, there's so much that can go wrong! How can I protect myself without missing out on the biggest shopping day of the year?

A: Black Friday does pose some serious risks to shoppers, but with the proper safety measures, you can happily join the bargain-hungry crowds on November 23.

Here's how:

1.) Plan ahead

Planning means you'll spend less, be out of line faster and decrease your risks. Sites like BlackFriday.com can help you plan your day and find the best deals.

2.) Credit card only

Credit cards are the best way to shop when there are high risks to your safety. You can always dispute a charge; you can never reclaim stolen cash. Also, keep your card as close to you as possible. If using a debit card, cover the payment terminal with your other hand when inputting your PIN.

3.) Shop with a friend

The mall may be crowded, but a determined criminal can find a way to corner you and empty your wallet or take your bags. Stick with your friends and never enter deserted areas alone.

4.) Keep your cool

Nothing you can purchase on Black Friday is worth your health or safety. Avoid all scuffles with fellow shoppers.

5.) Move your car

If you spend the day at the mall and routinely drop off your bags in your car, it's best to move your vehicle to a different spot. Thieves watch shoppers leaving the mall with lots of packages and follow them to their cars. If they see you dropping off your goodies and then heading back to the mall, they'll consider making off with your things. If you drive off, though, they'll think you're leaving and won't follow you.

6.) Online safety

Black Friday and Cyber Monday are notorious for online scams of every kind. Here's what to remember when shopping online:

Beware of phishing scams

Be alert for suspicious-looking emails and links. These could include emails with misspelled words, emails from unrecognizable email addresses, and links that when clicked will redirect to malicious sites. Delete anything that doesn't look right.
Make sure your connection is secure

Verify security by looking for the padlock icon on the address bar and by using sites that start with "https.”
Pay securely

Only use trusted payment systems like PayPal or Google Wallet. Shop from sites you trust and make sure they're legitimate by checking the URL and sites that end in .org or .net. Never agree to wire money for a purchase.
Strengthen your system

Before shopping online, check that your device's security systems are updated with the most recent protection and security patches. If you're using Wi-Fi, make sure the network is secure and requires a password to join.