Can You Spot An Online Scam?

No one is ever going to fall for a “Nigerian Prince needs to give you loads of cash” email, but you’d be surprised how many of us fall for a simple online scam.
No it’s not just your granny this happens to (although we really should be taking care of our nana’s and teaching them how to stay safe online), over 30% of 18-34 year olds believe that those age 66 years or older are at the greatest risk of being victims of online fraud. Just 13% of 18-24 year olds think of themselves as being the most at risk, which is insane as we are the most connected generation, we live our lives online! I get freaked out at just how much information my phone stores about me, of course I should be worried about an online scam!
So could you spot an online scam? I would like to think I’m pretty savvy when it comes to the internet, considering I grew up online I’ve seen my fair share of insane internet scams, and yes some of them were the emails promising money from far off lands. But the more the internet evolves the more devient online scams become.
 “Fraudsters have developed a number of ways to exploit online shoppers for criminal gains. They may offer goods that are less valuable than originally advertised or are significantly different from their original description. They may even take a payment without ever sending the goods the buyer has paid for.”
How many times have you seen those AD’s on facebook for a cute dress, only to buy it and a completely different looking item arrives? Then not be able to get hold of anyone from the company to get a refund, or even some help? We have all been caught out online in some way or another, the most important thing is to learn how to protect ourselves online going forward.
Royal Bank of Scotland have created a checklist to help you stay safe online this Christmas

You can stay safe when shopping on the internet by considering a few simple points each time you purchase:

  • Check the description of the item you are purchasing carefully before offering to pay for it
  • Check reviews or feedback for the company or seller you are looking to buy from
  • Always read the terms and conditions of any purchase you are thinking of making
  • Paying with a debit or credit card is the most secure way of making a transaction
  • Be wary of offers that seem too good to be true, they probably are!
  • Download Rapport to help protect your card details whilst shopping online

A little extra tip I learned this week, after buying a Christmas gift that never arrived and the company basically ignoring my emails I called the bank & they reversed the payment. So if anything like that happens, remember to call the bank and tell them, in some cases, they can put the money back in your account!

Find out more about Rapport here.


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