(BPT) - As the air turns crisp and the holidays approach, scammers are gearing up for their busiest time of year. From fake shopping deals to AI-powered deception, fraudsters are finding new ways to take advantage of distracted consumers. According to new data from Mastercard and The Harris Poll, nearly eight in ten Americans (78%) say they're more concerned about cybersecurity risks than they were two years ago, and 72% admit it's harder to protect their digital lives than their physical homes.
This Cybersecurity Awareness Month, Mastercard shares tips to help you stay secure while you enjoy the season's simple pleasures.
Don't Get Lost in the Corn Maze of Panic
Scammers thrive on confusion and urgency, just like getting turned around in a corn maze. They'll try to rush you with fake emergencies, "limited-time" offers, or threats to your accounts. But instead of panicking, pause and find your way out with a clear head. Take a moment to verify the situation with a trusted source. Fraudsters often play on emotions, especially through fake online romances or impersonators pretending to be loved ones in distress. If someone you haven't met in person asks for money, especially via gift cards, wire transfers, or cryptocurrency, don't fall for it.
Bobbing for Alerts, Not Surprises
Just like bobbing for apples, you want to stay alert and ready. Turn on transaction notifications so you're instantly aware of any unusual activity. Make it a habit to review your financial statements regularly; think of it like checking your pantry before a big fall feast. Consider setting up credit monitoring services to catch suspicious activity early. A little vigilance now can save you from a rotten surprise later.
Patch Up Problems Before They Spoil the Season
If you spot something suspicious, don't let it sit like an unpicked pumpkin. Act quickly: Contact your bank to secure your accounts, file a police report, and report the fraud to the FTC, or your local authority. If unauthorized payments appear, request a freeze or reversal right away - many banks can stop fraudulent transfers if caught in time.
Wrap Up with Zero Liability Warmth
Just like layering up for a chilly day, Mastercard's Zero Liability protection adds a layer of comfort. You won't be held responsible for unauthorized transactions, as long as you report them promptly and take reasonable care of your card. Whether you're shopping in-store, online, over the phone, or at the ATM, your Mastercard has your back. It's a cozy kind of confidence that cash and checks just can't match.
Savor the Season, Scam-Free
Whether you're picking apples, wandering through a pumpkin patch, or browsing fall sales from your couch, these tips will help you stay secure. So go ahead, crunch those leaves, not your finances. With a little awareness and a few smart habits, you can enjoy everything autumn has to offer with peace of mind.