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12 Days to a Safe Christmas!

As part of Checks Unlimited?s Fraud Prevention Education series we are privileged to provide important information to help reduce your risk of RFID and Identity Fraud. For a Limited Time, SAVE 30% OFF RFID Products! Use code: RFID

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Sileo.com Checks Unlimited Home Sileo.com Checks Unlimited Home Page Prevent Holiday Identity Theft It?s Beginning to Look a Lot Like Christmas- at the Mall! Stopping Hackers When You?re Shopping on Wi-Fi Holiday Shopping Quiz ? Is Credit or Debit Smarter? Don?t Tell Facebook You Won?t Be Home for the Holidays Don?t Let the Grinch Steal Your Party! It?s a Wonderful Life?Let?s Keep it That Way What to Give the Person Who has Everything (& Wants to Keep it!) I?m getting Nuttin? (But Scams) for Christmas Beware the Phony Santa Claus Comin? to Town  Is that Holiday Email Really a Lump of Coal? Holiday Security Tips All Wrapped up Together

 

4th Day: Holiday Shopping Quiz – Is Credit or Debit Smarter?

Holiday Security Tips: On the fourth day of Christmas, the experts gave to me, 4 pay solutions!

True or False?

When you use a debit card, funds are more secure because they are drawn directly from your bank.

False.  While it’s true that funds are drawn directly from your bank, it actually makes it harder to get the money reimbursed while the issue is being resolved if fraud does occur.

 You can receive a reimbursement for debit card fraud up to a year later.

False.  Debit cards generally only reimburse fraudulent purchases if you catch them within 60 days.

 It is safer to use a credit card than a debit card.

True.  When you use a credit card, nothing is withdrawn from your bank account immediately. Pending transactions can take several days to clear. In addition, credit cards uniformly give you more protection than debit cards and your maximum liability is capped at $50.

All checks are created equal.

False.  If you have to pay by check, make sure you use high security checks. Security checks should include visible fibers, true watermarking, full-feature hologram (like on credit cards) and protection against multiple chemical alteration agents (not just fingernail polish remover).  This makes it much harder for identity thieves to “wash” your checks with acetone and put their own names in the “pay to” field. Also, sign your checks with a gel-based pen that cannot be easily dissolved.

If you failed this quiz, don’t worry, as long as you remember the answers when you’re shopping!  Wishing you straight A’s this holiday season! On the fifth day of Christmas…

To review our tips from previous days, click here.

John Sileo is an an award-winning author and keynote speaker on identity theft, internet privacy, fraud training & technology defense. John specializes in making security entertaining, so that it works. John is CEO of The Sileo Group, whose clients include the Pentagon, Visa, Homeland Security & Pfizer. John’s body of work includes appearances on 60 Minutes, Rachael Ray, Anderson Cooper & Fox Business. Contact him directly on 800.258.8076.

Business Killers: Identity Theft and Data Breach Protection FREE WEBINAR

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Business Killers: Identity Theft and Data Breach Protection Webinar on November 10

 

On November 10, I will host an interactive webinar sponsored by Deluxe that will explore how small businesses can protect themselves from identity theft. As someone who lost more than $300,000 and my small business to identity theft, this is a topic I care about deeply. In addition to delivering keynote speeches at conferences, I also provide consulting and guidance to organizations like the Federal Trade Commission, Pfizer and the Department of Defense on how to best protect the sensitive data inside of their organizations.

Register now for tomorrow’s webinar.

During this multi-part webinar, I will provide simple, actionable tools and advice to help small businesses protect their data and retain information privacy. I’ll also explain how the information economy has shifted the competitive landscape and increased our data exposure. Attendees will learn the following:

  • The new reality: information does not equal power
  • How to think like a spy and apply critical thinking to the power equation
  • Manipulation triggers thieves use against your employees and defense techniques
  • Interrogation tools to uncover fraud before it erodes your profits and net worth
  • Fraud hotspot best practices
  • Trends in data theft
  • Holiday identity theft prevention tips

Sign up now and make sure that your business doesn’t experience the losses that mine did.

John Sileo, the award-winning author of Privacy Means Profit, is a keynote speaker on identity theft, data security, social media exposureand weapons of influence. His clients include the Department of Defense, Pfizer, Homeland Security, Blue Cross, the FDIC and hundreds of corporations, organizations and associations of all sizes. Learn more at www.ThinkLikeASpy.com.