Phishing scams peak during the holidays. Fake ads sent to email addresses from seemingly reputable stores are common. If the deal looks too good to be true, it probably is. 

Be aware of red flags such as suspicious URLs, misspellings, and urgent requests for banking or personal information. Instead of clicking through, type the store's URL directly into your browser. 

Believe in Fake Shopping Sites 

Cyber criminals go through great lengths to make their websites look legitimate and trustworthy. If you make a purchase on one, you may fall victim to identity theft and/or credit card fraud. Again, instead of clicking through, type the known URL directly into your browser. 

Check It Twice 

When checking out, be sure the payment page is secure. Look for the "s" in the "https://" in the address bar instead of the standard "http" format. The lock and green address bar also indicate the page is secure for checkout. 

Don't Buy on Public Wi-Fi 

Public Wi-Fi or hotspots are OK for browsing, but never enter passwords to access confidential accounts or enter credit card information to make a purchase on public Wi-Fi. 

Naughty Mobile Apps 

Fake apps include fake versions of popular apps such as Angry Birds and Netflix. Read ratings/reviews of an app and look for the app with the most downloads. Fake apps will often hit you with lots of pop-up ads and requests for your personal information. 

Lastly, Wise Men & Women Always: 

1. Use the latest browser version that features the most advanced anti-phishing tools 

2. Avoid browser plug-ins (free toolbars) 

3. Surf with a firewall up 

4. Run antivirus programs.