You get a text or email saying, “Your package is delayed, click here to reschedule.” It looks legitimate, maybe even includes a familiar brand like USPS, UPS, FedEx, or Amazon. But clicking the link could install malware or steal your personal information.

Tip: Always track packages directly through the official carrier’s website or app. Avoid clicking links in unsolicited messages.

Scammers know the holidays bring out your generous side. They may create fake websites, spoof real charities, or pressure you to donate immediately to emotional causes. Sadly, your money could end up in the wrong hands.

Tip: Before donating, research the charity on sites. Never give financial information over the phone or through unsolicited emails.

Flash sales offering 90% off electronics or luxury items can be tempting, but often they’re traps. Clicking those ads or buying from sketchy websites could leave you empty-handed, or worse, hand over your credit card info to criminals.

Tip: Stick to trusted retailers. Be cautious of deals shared on social media or sent via email from unknown sources.

Scammers mimic major retailers — like Amazon, Target, or Best Buy — and send emails that look almost identical to the real thing. These emails might claim there’s a problem with your order or offer you a “special deal,” urging you to click a link or update payment info.

Tip: Check the sender’s email address carefully. When in doubt, go directly to the retailer’s official website instead of clicking a link in the message.