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Be sure to use safe methods for purchases this holiday season.

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If you’re going to make that purchase, what information are you handing over?

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Before providing personal or financial information, check the website’s privacy policy.

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Make sure you understand how your information will be stored and used.

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If you can, use a credit card as opposed to a debit card.

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There are laws to limit your liability for fraudulent credit card charges, but you may not have the...

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...same level of protection for your debit cards.

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Additionally, because a debit card draws money directly from your bank account, unauthorized charges could leave...

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...you with insufficient funds to pay other bills.

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Check your credit card and bank statements for any fraudulent charges.

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Immediately notify your bank or financial institution and local law enforcement.

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Be wary of emails requesting personal information.

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Attackers may attempt to gather information by sending emails requesting that you confirm purchase or account information.

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Legitimate businesses will not solicit this type of information through email.

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Do not provide sensitive information through email.

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If you receive a suspicious email that you think may be a phishing scam, you can report it at https://www.us-cert.gov/report-phishing.

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If you believe your personal or financial information has been stolen, report it right away to your local police and the Federal Trade Commission (FTC).

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There’s information on the FTC website, https://www.identitytheft.gov/, about how to report.

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Immediately change your passwords, use complex passwords, and use a different one for each account.

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A password manager can help you do this.