Should I Save My Credit Card Information on a Website?

Should I Save My Credit Card Information on a Website?

Credit cards are generally a safe way to shop for goods and services online. This is because credit card companies offer fraud protection should your card number and related details fall into the hands of a cybercriminal.  However, this does not mean you should necessarily save your credit card details on an ecommerce site you regular buy items from.

The easy answer is no, you should not save your credit card online if you want zero risk.

If you do not save your credit card info on a website your number, expiry dates, information related to the card will be removed. So, if any of the companies you shop with have a data breach, cybercriminals will not see any record your card.

However, cybercriminals can also access your credit card details if your computer or phone is infected with malware.  This is because the credit card details are saved within your browser settings.  Therefore, a data breach of a company does not even need to occur!

Should You Save Your Credit Card Info?

Each consumer needs to decide the level of convenience they desire when shopping online and weigh the pros and cons. The only reason to save your card details is convenience. It makes for a quick checkout every time.

If you want zero risk, you should not save your credit card details when buying something online. This way the online account with the company does not contain the credit card number and the card information will not be saved on your computer.

You should never save any details of your credit card online, such as in notepad or a Word Document.  Do not write it down on a paper and put it in a file either. Only reference your card details from the card itself.

Ways Cybercriminals Access Credit Cards

There are a variety of ways credit cards are compromised. The bottom line is scams gather information about you from multiple sources. If they gain enough information, they can steal your identity.

  • Physical credit cards are stolen or lost.  Report your card as stolen or lost to your credit card company immediately. When discarding old card, cut them into little bits. Do not throw uncut cards into the garbage where thieve can find them in the garbage.
  • Card skimmers. A scammer gets access to you card for a brief moment and scans is on a skimmer. Or skimmers are added to shopping scanners or banks machines. Shimmers are new tech that steal your chip information.
  • Card Shimmers:  This is new technology that steals your credit card chip information has it’s skimmed.
  • Clicking on malicious links in phishing emails or texts, which infects your devices with malware to access all of your personal information.
  • Using public Wi-Fi networks that are not secure.
  • Data breaches. Even if you keep your computer secure, a company data breach will reveal your personal details to cybercriminals.
  • Formjacking.  Legitimate websites are hacked and gather information as user enter their info on a form.

Only partial information about you will compromise your online accounts and the information each account holds about you.

Compromised data can also help scammers target your more specifically into clicking a link or answering personal questions on a scam phone call.

Reason’s to Not Save Your Credit Card Information

To recap, though saving your card information makes it easier to make purchases, it also opens up the possibility of potential fraud.

The more websites your card information is stored on, the more companies your personal information is tied to.

When card information is saved online, it can be used by anyone who has access to your device. If your device is hacked, or infected with certain malware, cybercriminals can gain that level of access.

Entering the CVV when making a purchase does add an extra layer of protection but does not eliminate all risk entirely if scammers have other means to use your credit card.

For those who want to be extra cautious, if you shop without an account and use guest checkout, no information whatsoever is saved by the e-commerce website.  However, you will have to give up additional incentives gained by having an account, such as loyalty points.

Best practices even if you do have an account is to not save the credit card information.


Read our three part series on how to protect yourself from scams.
Begin with Common Scams: Part 1 

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Basics of Webcam Protection

Webcam Safety and Security

Children are easy targets for cybercriminals and similar people. Children can often be often reckless about their actions. They can click unknown links out of curiosity, only to be taken to an unknown website, or reply to a new message from an unknown addresser. Using a webcam by children also needs special attention from their parents’ side.

Otherwise, children can be unpleasantly surprised or even traumatized—the question of why cybercriminals do this is a conversation for another day. The main point of this content is to explore how you can secure the webcam your children use and prevent any possible negative consequences.

Security First for Webcam Protection

This is the foremost point that has to be ensured. If your device lacks effective protective software, it becomes automatically vulnerable to webcam hackers. This software is a moderate investment ensuring the effective operation of your PC, preventing malware, viruses, or unknowingly given access to accounts and computer data in general. Install that software and explain to your children that it’s for their protection.  Parental controls exist to block harmful content, but it won’t stop a data breach or cyber attacks.  Anti-virus and anti-malware programs are needed.

Make Sure WiFi Is Secured

Sometimes the easiest way to secure your webcam is to protect the entire WiFi network you are using. It is necessary to apply secured and complex passwords for your home network.  Your children should also be aware of all risks related to accessing public WiFi networks. If they join such networks, it is easy for computers to become infected by malicious software or become a target for scammers.

To protect children from this risk, you can install VPN software. It secures your devices by changing their real IP addresses. As an outcome, devices remain untraceable.

Secure Smart Technology in the Home

Camfecting is occurring now more than ever. It occurs when a cybercriminal takes remote control of a camera.  It’s very common for smart devices such as televisions, phones, baby monitors, and doorbells to have micro-sized digital cameras built in them.

Cybercriminals can use a special type of malware called Remote Access Trojans, or RATs, to gain access to cameras, computer files, and the ability to record keystrokes performed by the user.

One method of infiltrating a camera is done by exploiting known vulnerabilities within the device’s software. Passwords need to be strong for your WiFi and each smart device.  Appliances should not be on the same network as your personal computers. Smart TV’s have their own set of privacy settings to be mindful off.

Devices need to be updated regularly so that patches can remediate the vulnerabilities.

Best Practices for WebCam Use

Suspicious Links Avoided

This is a simple rule all children must follow. Instruct them to not click links or download anything from unknown sources. This rule prevents getting malware and spyware that infect the computer and enable getting access to a webcam. If something appears to be suspicious, avoiding that is the best solution. If you child needs a download, they should consult with you first.

Teach children how phishing emails or texts from scammers contain links that will give cybercriminals access to your child’s device, as well as others connected on the same network.  These emails may also come some friends they know because their friend’s computer may be infected. Check with all senders directly before clicking a link in a message from them.

“Stranger –Danger”

This rule is related to communications with unknown people. Children should not start this communication and share with them any kind of personal information. It is necessary to explain to children that even if these persons are pleasant to deal with, it is unlikely that somebody will ask to share personal information about a person during the first conversations.

What information is usually requested by strangers? It includes the details about the child’s history, date of birth, siblings, information related to parents, etc. Emphasize that your children should not deal with strangers online and provide those any authorizations.

Explain How Web Cams Work

Previous tips are effective, but they only decrease the risks related to hackers attempting to access webcams. You should explain that to your children and also clarify how this device can be compromised.  But there is one simple way to they can remain protect themselves.  An important rule for everyone, including adults, is to cover the camera eye of any webcam when not using it.  It is an easy-to-arrange technique that only requires a sticker or a special case you can purchase to be placed on the camera eye.

Create Rules for the Camera’s Location

The easiest strategy on how to secure children from possible negative consequences while using a webcam is determining strict rules for using it. The most workable rule, in this case, is avoiding using a webcam in a bedroom or bathroom. The situation is simple here. A child may easily forget to switch off the camera. This mistake may have negative consequences, especially if the webcam is regularly used in a private room of a home.

Secure Devices for Your Work from Children

Don’t allow your child to use webcams that are connected to your work.  This opens them up to accidentally connecting with fellow employees with the potential to share private information to collogues.   The best strategy here is to secure your devices with effective passwords and separate those devices from personal use by other family members.

Secure Data and Cloud Storage

If video or video chats are saved, ensure they are stored securely. You can also look into encryption methods if you like.  But most certainly, ensure all data on any computer is safe from outside access. Besides strong passwords for accounts and cloud storage, applying two-factor authentication is vital keep keeping private files from being accessed.

Webcam Red Flags to Pay Attention to

Indicator Light: Most webcams have an indicator light that turns on when the camera is active. If you notice this light is on unexpectedly, it could indicate that your webcam is in use.

Unexplained Activity: If your computer starts behaving strangely, such as windows opening or closing without your input, it could be a sign that someone is remotely accessing your system, including your webcam.

Unexpected Software: If you see new software installed on your computer that you didn’t install yourself, it might be malware or spyware designed to access your webcam.

Firewall Alerts: If your firewall software alerts you to unauthorized attempts to access your webcam, take it as a red flag.

Antivirus Warnings: Some antivirus software may detect suspicious activity related to webcam access and notify you about it. Take these warnings seriously and investigate further.

Check for Remote Access Tools: Regularly check your computer for remote access tools or software that could be used to access your webcam without your knowledge.

Final Words

Cyber threats are always lurking for children and adults alike. Webcams are often forgotten about when we think about the harm can happen on because of their use.  These tips on how to secure a webcam can spare your children from the negative consequences that may occur when interacting with others online.

It is always better to explain to your kids that the internet is not simply place full of joyful and interesting stuff. It’s also where cybercriminals and predators exist, and webcams are just one of the means children can be exploited.  Vigilance is required to set and follow these personal safety and computer security rules for webcams. As a result, the internet can be a much safer place for fun with friends, as well as enjoy the full benefits for learning.

Author’s Bio

Aston Rhodes is an experienced content creator and marketing expert for https://jatapp.com/. Aston has been helping authors improve their blogs for over 5 years and turn this hobby into a business. She does research and discussion on tech-related topics. She enjoys sharing her experiences with a like-minded audience and writes about software development, digital marketing, business, career, and more.

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The Ultimate Adult Guide to Electric Biking

Who says you have to be a certain age to enjoy the thrill of biking? With the fast e-bike 2000W, age truly becomes just a number. HappyRunSports has tapped into this sentiment by offering two exceptional models, the G50 and G60, both specifically designed as electric bikes for adults.

Whether you’re a seasoned rider or a beginner, these bikes offer not just an alternative for commuting but also open up a world of joy and adventure. They allow you to conquer various terrains thanks to their high-speed performance and unparalleled durability.

If you’re aiming to make a lifestyle change, reduce your carbon footprint, or simply relish the freedom that comes with the open road, then look no further. HappyRunSports ensures that you get the best electric bikes suited for adult riders or children. These electric bikes for adults not only fulfill your commuting needs but also offer the added benefits of exercise and the sheer thrill of speed. With features like high-performance motors and long-lasting batteries, the G50 and G60 models stand out as reliable choices for any adult looking to get into electric biking.

Top-Rated Adult E-Bikes for Every Budget

Finding the best electric fast e-bike 2000w that offers both performance and affordability is a goal for many, and it’s easier than you might think. The common misconception is that electric bikes for adults have to be costly to be good. This is far from the truth, especially when you consider the offerings from HappyRunSports.The brand provides two budget-friendly models, the G50 and G60, which don’t skimp on performance features. The G50 is engineered for both off-road adventures and daily commuting, boasting a high-performance 1500W brushless motor that allows for impressive speeds of up to 30 MPH.

Similarly, the G60 stands out as another excellent option among the best electric bikes designed with adults in mind. It comes with a removable 48V 18AH battery capable of covering an incredible range of 68 miles on a single 5-6 hour charge. This feature ensures you get maximum utility, making the G60 a strong contender when you’re on the hunt for electric bikes for adults that offer value for money. Both models from HappyRunSports give you high-end performance without breaking the bank, proving that quality and affordability can indeed go hand in hand.

Comfort and Style: Electric Bikes That Have It All

Electric Biking for Adults

When choosing the best electric bikes, many people focus solely on speed and performance, overlooking other crucial factors like comfort and style. If you’re in the market for an electric bike for adults that seamlessly blends these elements, HappyRunSports has got you covered. Their G50 and G60 models go beyond just speed and power; they also offer high-performance front fork and seat suspensions.

These features guarantee a riding experience that’s not just thrilling but also incredibly comfortable. The 20″ × 4″ fat tires further contribute to this comfort, allowing you to navigate through sandy, snowy, and other complex terrains effortlessly. Additionally, these best electric bikes from HappyRunSports don’t compromise on aesthetics.

The G50 and G60 models are designed with a keen eye for style, ensuring you don’t have to sacrifice your look for a comfortable ride. Whether you’re an adventure junkie or a daily commuter, these electric bikes for adults offer you the complete package—impeccable style, outstanding comfort, and high-performance features, all rolled into one.

How to Choose an E-Bike That Suits You

When it comes to selecting the best children electric bikes, personal preference plays a significant role. Your chosen electric bike for adults should meet your specific needs, whether you’re into mountain biking, commuting, or off-road adventures. First, consider the type of terrain you’ll most often be tackling. If you’re looking at diverse terrains, HappyRunSports’ G60 model might be your best bet, with its lightweight aluminum alloy material enhancing maneuverability and control.

Secondly, factor in the range you need. If you’re planning long rides, you’ll benefit from the G50 and G60’s impressive 68-mile range per single charge. Lastly, think about the comfort features that matter most to you, such as seat suspension and hydraulic brakes, and check to see if your chosen model includes these.

Summary

Age is Just a Number: Electric Biking for Adults

In summary, electric biking isn’t just for youngsters or extreme athletes; it’s for everyone. With the best electric bikes, adults can rediscover the joy of cycling in a modern, efficient, and exhilarating way.

Electric bikes for adults are more than just an alternative form of transportation; they’re a ticket to a world of adventure, fitness, and freedom. So, when you’re out there looking for your next bike, consider HappyRunSports’ G50 and G60 models, which offer top-tier performance, comfort, and style, all within a reasonable budget.

Your perfect bike is out there, waiting to take you on new adventures, redefine your commute, and give you the freedom to explore your world on your terms. What are you waiting for? Gear up and get rolling!

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Part 3! Creative Scams and How They Compromise CyberSecurity

Creative Scams and How They Compromise Cyber Security

In Part 1 and Part 2 of our series on scams we have explored many of the common scams that cybercriminals use to steal our data. It may result in an instant financial loss or later down the road when you least expect it.  Some scammers simply sell your information.  Being scammed once may not effect you greatly, especially if you have secured your accounts.

However, the more information that is gathered about you can eventually result in identity theft.  At the very least, more scams will come your way. So, in our final article in this series (part 3) we look at additional scams that affect individuals and businesses alike.

Creative Scams Compromising Security

CEO Fraud

CEO fraud, also known as Business Email Compromise (BEC), has evolved from emails to text messages, tricking employees into divulging sensitive information, transferring funds, or interacting with malware.

Employees are advised not to respond to suspicious text messages that appear to be a CEO fraud attempt. Instead, it’s best to inform IT, and the impersonated executive of the incident, and then delete the message.

Cybercriminals can easily obtain personal and company information for their scams through social media networks.  Social media networks, especially those focused on business and employment, provide cybercriminals with a wealth of personal and company information.

Making social media profiles private, and being cautious about connection requests, can help protect against CEO fraud.  This reduces the amount of personal information that is publicly available and can be used by cybercriminals to carry out their scams.

BEC Scams are no longer limited to message from someone impersonating a CEO, emails may also come from fake suppliers and business associates.

Job Scams

A job scams has a very basic promise.  A scammer poses as a company that wants to hire you. They prey on the emotion that you are excited to get the job. The pay is good, and you can start right away. It may be a full time, part time, or temporary job.

Cybercriminals use the lure of work to trick job seekers into providing personal Information.

A resume plus a photo ID is more or less a complete picture of a person’s personal identity, which is what makes these types of scams so dangerous.

In order to make this scam work, cybercriminals are counting on our level of comfort in providing personal information to potential employers, as well as our motivation to earn extra cash.

These two components allow this scam to operate, so it is important to stay ware.

The Fee-Based Scam:   When a cybercriminal posing as a legitimate employer will insist that a job seeker pay a small fee for “start up” materials.​ Or they are asked to pay twenty or thirty dollars for things like training or a background check, only to have the prospective employer vanish into thin air.

For a remote salesperson job opportunity, job seekers may be asked to pay for access to a list of sales leads could never lead to a scam.

Even if a job is only temporary or seasonal, it’s important to take the time to confirm that the company is legitimate before forwarding personal information to the potential employer.

The Use of Images in Phishing Email

When most of us think about phishing email, we consider the subject line and the message that as been cleverly written to fool us. But what if there isn’t much text at all in an email.  Instead, there is an image.

Your standard phishing email doesn’t usually come with an image. Which is why a gift card phishing email that includes images looks so legitimate.

Visual marketing is just as successful in the professional world as it is in the cybercrime industry.  Visual marketing is defined as a strategy used to depict concepts that would otherwise be hard to explain through text.

To add to the confusion, 67% of scammers opt to leave the subject line empty in malicious emails. Empty subject lines are quick and easy for cybercriminals to send out and have an engaging air of mystery for the user.

Phishing emails that have blank bodies and blank subject lines are known as “blankets.” These type of phishing emails are known as “probes,” and are sent as a quick way for cybercriminals to identify active email accounts.

Scams Related to Selling Items Online

The Fake Payment, or Bogus Fund request:  It’s when a scammer poses as a buyer and asks to pay via a mobile payment app, but then sends a fake payment notification. They hope you will send the item before you notice the payment never occurred. Or the scammer will insist that they actually paid you twice and ask for a refund for one of the fake payments they sent you.

Fake Check Overpayment Scams:  A scammer will send you a check for more than the sale of your items.  They will ask you to refund back the difference.  The check you deposited won’t bounce for a few days, long after you have given the scammer your hard-earned money. They will also have the item that you were selling if you have already sent it to them.

Verification Code Scams

If you have been wise and set up multi-factor authentication for your accounts, there is a way scammers can trick you into sending them that code. It’s called the verification code scam.  They will call you pretending to be someone official associated with your account. They will say there is an issue and for it to be solved, you first need to verify yourself by sending them an authentication code.

You agree.

From there, the scammer will try to login into your account. This will trigger the code to be sent to you.  You think the person on the phone sent you the code, but it; s actually your legitimate account that the scammer is truing to clog into.

This scam can also be carried out when selling items online.  The scammer will claim to be nervous about online scams and send you a verification code. They will then ask you to send them the code, which, if you do, will allow them to open a new account linked to your phone number.

Caller ID Spoofing

We have covered phone scams in other parts of our scam series, but it’s worth noting that caller ID spoofing takes things to a new level as scammers try to get people to let their guard down when answering calls.

With online communication services like Google Voice, cybercriminals can change their area code or even their full phone number to match that of the person they are calling.  If you identify a call as spoofed, you should not answer it. When a scam call is answered, it will often lead to more calls in the future.

Caller ID Spoofing

If you do answer an unknown call that appears to be from the government, remember; employees do not call unsolicited, especially to ask for money or account information. If someone calls claiming to be a friend or family member in urgent need of money, it is recommended in this training that you proceed with caution.  Consider confirming with the person through another method of contact before taking action.

Public Wi-Fi Scams

The main security issue with public Wi-Fi is that it is public.  Their public nature becomes a tempting environment for cybercriminals, as a password given out by a barista or written on a chalkboard is the same as no password at all.

It’s important to always verify the network you are using.  Cybercriminals can set up fake or spoofed networks disguised as a public hotspot.  The spoofed network may even have a name similar to the network in question and allow you to browse normally.  However, it may send you to a fake website and ask for login or payment information.  Or it may simply spy on you.

Always verify the network you are using with a staff member and look for encryption.  Encryption, such as SSL, helps to make network connections more secure. Website should begin with https. A padlock icon also indicated that the network is secure.

It’s good practice to turning off the Wi-Fi on your mobile device when you are not actively using it. This will prevent it from automatically connecting to public networks in places you’ve visited before.

How Scams Increase Cyber Attacks

While cyber criminals are looking for a quick easy profit by scamming money directly from you, there are many other reasons why your personal information alone is of great value to them.

An email address and a password can be worth as much as $1000 on the dark web.  The information gathered in scams increase the effectiveness of cyber attacks against people and companies,

Here are a few ways just one piece of information can compromise your data many times over.

Credential Stuffing Attacks

In this this type of cyberattack a cybercriminal uses previously exposed account information across other unrelated services to try and gain access to multiple accounts.

Credential stuffing can be highly effective, as many of us who don’t use a password manager rely on the same, or similar, passwords.

Preventing a credential stuffing attack is focused primarily on not re-using passwords. Utilizing truly unique passwords across all accounts is the way to go, which is where a password manager tool can be so effective.

Credential stuffing is similar to a brute force attack, but with credential stuffing, the cybercriminal is using a password they already know.

This creates a much more targeted and successful attack if their target reuses the same, or similar, password.

Brute Force Attacks

The tools associated with a brute force attack are relatively easy for a cybercriminal to get their hands on, which makes them common.  Brute force attacks are a trial-and-error method of trying to decode a password or encryption key to access a device or account, which can also lead to a hijacking attack.

Using automated tools, cybercriminals can systematically test thousands to millions of password combinations every second. Even adding a few extra characters can help extend the overall decoding time significantly and may be enough to deter an ongoing brute force attempt.

Cybercriminals have been using artificial intelligence technology to train their tools to target passwords more efficiently by feeding it previously exposed passwords as a reference point.  By using these previously exposed passwords, mixed with our tendencies to use common passwords, cybercriminals can improve their success rate in their attacks.

Read Part 1 and Part 2 of our scam series to learn specifics about how to:

  • Be alert about common scams.
  • Create unique passwords for each of your accounts.
  • Use a password manager so you don’t have to remember your complicated passwords.
  • Set up multi-factor authentication.
  • Ensure your Wi-Fi connection is secure.
  • Enable automotive updates for all devices and software installed on those devices.
  • Learn the SLAM method to prevent clicking malicious links.
  • Don’t respond to unknown texts.
  • Don’t call back anonymous phone numbers.

Part 1:  Common scams to be aware of and prepare for.
Part 2: Common scams and common sense prevention.

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