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Here are some ways to keep your holidays happy.

Beware of deals. Be wary of those too-good-to-be-true deals, especially those that show up as links on your social media feeds. Check out reviews, search the retailer’s name with “scam” to see what comes up, and if it’s a retailer you already know and frequent online, go directly to the website rather than clicking on a link.

Buying gift cards? Thieves have hit store gift card racks, secretly writing down or scanning the numbers off the cards. They then check online or call the toll-free number to see if someone has bought the cards and activated them. As soon as a card is active, the scammers drain the funds.  Purchase your VISA gift cards at Members Heritage!

Keep the debit card in your wallet. Consumer protection experts recommend the use of credit cards rather than debit cards for most purchases, to protect from fraud and theft. In the case of a lost or stolen debit card, your financial loss could be much higher.  Use your MH Credit Card now thru Dec 31 and you will receive TRIPLE your ScoreCard Reward Points!

Sign for those package deliveries. Package delivery companies are not responsible for stolen packages left at your front door without requiring a delivery signature. And watch out for phishing scams claiming to be from UPS, FedEx and the US Postal Service asking you to click a link to solve a delivery issue.

Be mindful when applying for temporary holiday jobs. Bogus online job applications for holiday help ask for personally identifiable information, especially your Social Security number. Don’t share your number with anyone unless you absolutely have to, and never provide it until you confirm you are dealing with a real organization looking for employees.

When it comes to fraud, vigilance is our number one weapon. You have the power to protect yourself and your loved ones from scams. Please share this alert with friends and family.