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Safe Shopping — In Store & Online

Whether you’re at the mall or shopping from home, protect yourself from identity theft and fraud.

In Store

  • Choose gift cards carefully. Choose a card that isn’t damaged, and the scratch-off area isn’t disturbed.
  • Protect your wallet and what’s in it. Often at checkouts, thieves will shoulder surf in an attempt to obtain your card information.
  • Save your receipts. Whether you’re shopping in a store or online, keep your receipt and know the return policy before you buy.
  • Keep it private. Wi-Fi in stores and other public places is just that — public. Be cautious when using it to access apps or websites with your personal information.


  • Don’t believe everything you read. Find and compare independent reviews before you make a purchase.
  • Look for contact/return information. If a site doesn’t have a phone, address, or email address, don’t buy there — it may not be a legitimate business.
  • Check security on any site. Make sure the website address starts with https or has a lock before entering credit card or personal information.
  • Stay up to date. Before you shop online or with an app, be sure you have the newest version of operating systems, apps, and security.

Online Shopping Fraud

If you can’t work out online shopping issues with a seller, buyer, or site operator, file a complaint with the:

  • Federal Trade Commission at
  • Better Business Bureau at
  • FBI Internet Crime Complaint Center at

You also can contact your State Attorney General. Go to, click Attorneys General in the top menu, and find the complaint section on your Attorney General’s website.

Remember, when shopping with your CEFCU Debit Mastercard® or CEFCU Credit Mastercard, you have extra protection — like Zero Liability — you might not get with other cards.