On any given day, billions of dollars in online credit card transactions are made around the world. Unfortunately, online fraud continues to be a problem as cyber thieves look for opportunities to infiltrate personal accounts. Protect yourself and shop with confidence using the following tips.

1. Avoid Public Wi-Fi Connections

It may be convenient to do your online shopping while waiting at the airport or lounging in your hotel room, but insecure public Wi-Fi connections could leave you vulnerable to hackers. Use a secure connection, or if available, the retailer’s mobile app.

2. Delete Suspicious Emails

Never enter your credit card number, PIN, or password in emails from retailers and other entities. Reputable companies will not ask for this information through this channel. Don’t click on any links, and delete the message immediately. To make a purchase, go directly to the retailer’s website or app instead. Look for the lock symbol in the browser bar, which indicates that it is a secure site.

3. Install Anti-Virus Software

These programs provide protective layers of security against viruses and malware, which can make it easy for cyber thieves to gain access to your credit card account and make illegal purchases. Download updates from the anti-virus software provider to ensure you have the latest safeguards against online fraud.

4. Log Off When Finished

After you’ve made a purchase from a secure site or app, always log off. If you leave the session open, hackers may gain entry to your credit card information and go on a shopping spree. When you log off, close the browser or app too.

5. Monitor Your Account Activity

Keep track of all your credit card transactions by reviewing your online statements. If something looks suspicious, contact your credit card issuer right away.

If you’re concerned about credit card fraud, having a reliable credit union to back you up and provide online banking solutions will provide peace of mind. With hundreds of millions of dollars in assets and over 60,000 members across Hawaii, Hawaiian Financial Federal Credit Union is one of the leading financial institutions in the state, with a reputation for combining personalized service with technologically advanced personal banking solutions. Learn more about our broad array of services online, follow us on Facebook, Twitter, and Instagram for news and updates, or call 832-8700 on Oahu or toll-free at (800) 272-5244 with any questions.