Cyber Monday will contribute significantly to the expected $105 billion in online sales this holiday season according to the National Retail Federation. Will you be Cyber Monday shopping or joining millions of others buying online this year?
Better Business Bureau of Upstate New York advises to shop savvy armed with "Digital IQ," mobile buying tips and tricks to keep your holidays financially happy this year.
"We know the public will be shopping online, especially millennials, to save time, money and ship gifts around the globe," said Warren Clark, president and CEO, BBB of Upstate New York. "History tells us not all online retailers are trustworthy so it's important that shoppers remember to be careful: The Internet is rife with unscrupulous business practices that can separate shoppers from their money or steal their personal information. Some companies may not be able to deliver gifts in time for the holidays, making it very important to check delivery and stock."
Shoppers can prepare themselves for online shopping by watching ads and browsing for the items they're seeking. Many online sites have Cyber Monday deals advertised and it's just the beginning. Unless you're educated, it can be hard to tell whether an online deal actually will save you money. Consumers need to read a site's policies for returns and understand shipping schedules before you enter your credit card number.
BBB offers online tips to become a savvy holiday shopper:
•Protect your computer and smart device. Install a firewall, antivirus and antispyware software. Check for and install the latest updates for your smart phone and tablets and run virus scans regularly.
Get savvy about Wi-Fi hotspots: Limit the type of business you conduct and adjust the security settings on your device to limit who can access your phone. When shopping or banking, check to be sure the site is security enabled. Look for Web addresses with "https://" or "shttp://," which means the site takes extra measures to help secure your information. "Http://" is not secure.
•Shop trustworthy websites: Look for "BBB Accredited Business" seals on websites and click to confirm they're valid. BBB seals will take you to a site's BBB business review. You also may find customer reviews at www.bbb.org.
•Know the advertiser. Some of the best deals are only available online, but be careful. It's easy for a fake site to mimic a famous retailer's website, so make sure you are shopping with a legitimate site. Check out bbb.org to read more about stores or websites unfamiliar to you.
•Beware of too-good-to-be-true deals. Offers on websites and in unsolicited emails may display free or very low prices on hard-to-find items. There may be hidden costs or your purchase may sign you up for a monthly charge. Look for and read the fine print.
•Beware of phishing. Legitimate businesses do not send emails claiming problems with an order, account or a package to lure the buyer into revealing financial information. If you receive such an email, BBB recommends you pick up the phone and call the contact number on the website where the purchase was made to confirm a problem.
•Pay with a credit card. Under federal law, you can dispute the charges if you don't receive an item. Shoppers also have dispute rights if there are any unauthorized charges on the card, and many card issuers have zero-liability policies if someone steals and uses your card number. Check your credit card statement regularly for unauthorized charges. Never wire money to someone you don't know.
•Keep documentation of your order. Save a copy of the confirmation page of an order or emails confirming the order until you receive the item and are satisfied. Obtain a tracking number for shipments. If you need the product before the holidays, find out when the seller intends to ship it and, if possible, how it will be shipped. The tracking number can help you find a lost order.
•Know your rights. Federal law requires orders made by phone, mail or online be shipped by the date promised or within 30 days if no delivery time was stated. If goods aren't shipped on time, shoppers can cancel and demand a refund. Consumers also may reject merchandise if it is defective or was misrepresented. If you need help from BBB, contact it at [email protected] or call 800-828-5000.
•Report a scam. If you spot a business or offer that sounds like an illegal scheme or fraud, tell BBB about it through BBB's Scam Tracker. BBB will investigate and warn others by reporting your experiences.
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