Just like we work to improve our physical health and well-being, it’s also vitally important to improve our cyber health and keep ourselves safe from online danger. Here are five easy fixes to keep yourself cyber safe this year.
1. What you’re doing wrong: Clicking in emails
Unless you are absolutely sure that an email comes from someone you trust, don’t click on any links or attachments, ever! Think of email as a text-only method of communication, because nothing else about it is safe. It was never meant for transferring files, and links are sometimes not what they appear to be. Remember that email is the No. 1 method that scammers use to get you to do their bidding.
Even if the email appears to come from someone you trust, be cautious if the link appears unusual or out of character for that person. It could be a scammer pretending to be someone you know. Think about every click as possible doom.
2. What you’re doing wrong: Having only one credit card
The fix: There are many credit cards without annual fees that will be more than happy to extend you credit. I recommend having at least three or four different cards that you use for different purposes. Ask for a low credit line on each—I’m certainly not recommending that you run up big bills on multiple cards! But having a separate card for different types of transactions reduces your risk and the effort needed if one card gets compromised. For example, have separate cards for online bill paying, online purchases, dining and entertainment, and travel.
Never use a debit card except at the ATM: You have far less fraud and theft protection from your bank than you do from the credit card companies....
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