Blowing off a message from your credit-card company.
Although you might not be in the mood for what you assume is a telemarketing call, a creditor may be ringing to warn you about odd account activity.
If you receive a message like that, don't click links or fill out online forms.
Instead, "call the number on the back of your credit card or bank statement and ask if they're trying to reach you," says Ulzheimer.
With holiday shopping season in full swing, it's easy to let your guard down and fall prey to a credit card or identity thief.
An official-looking email coming from an official-looking email address may even purport to alert you that your account has been compromised, and therefore, you must enter your information to reactivate your account.If you don't respond, your creditor may freeze the account, and your card will be denied on the next attempted purchase.If your account isn't frozen, and your card number is indeed stolen, the thief has more time to charge away.5. How can you be sure you're giving your info to a legit online store?For starters, look in the address bar in your browser, suggests Harzog."If the URL starts with 'https,' you know you're on a secure site." The "s" stands for secure; sites with just "http" are more vulnerable to hackers.6. It's not an urban legend: People do dumpster dive, assures Lipka.