As Christmas nears, scammers are intensifying their efforts to extract sensitive information, gain access to personal accounts, and steal money. Their deceptive tactics are evolving, becoming more convincing and sophisticated by the day.

It's crucial for the public to be extra vigilant to steer clear of these fraudulent schemes such as phishing.

Phishing is a form of scam wherein crooks masquerade as credible entities to coax individuals into revealing sensitive details such as passwords, as well as credit card or bank information.

Their tactics often manifest in various forms, including emails or Facebook messages, claiming suspicious activity on the recipient's bank account. These messages commonly induce a sense of urgency, pressuring the recipient to disclose personal information within a timeframe.

Here are some tips to avoid falling for phishing scams.

1. Avoid clicking on suspicious links

When you receive emails or messages purportedly from banks or institutions asking for sensitive information, refrain from clicking on any links or divulging personal details hastily.

Phishing links appear legitimate but actually redirect to a fake website designed to steal login credentials or personal information such as username, password, account number, card number, CVV code, PIN, and birthday.

Even if the message induces panic or urgency, resist succumbing to pressure.

2. Verify before taking action

Take your time to verify the authenticity of the message.

You can also hover your mouse cursor over them to preview the actual website URL. If it appears unusual or suspicious, it's better to ignore the message.

If you are still in doubt, you can confirm the message's legitimacy by contacting the institution directly through their official channels. Ask them whether the communication you received is true.

3. Delete phishing messages

Once you've confirmed that an email or message is indeed a phishing attempt, block the sender to prevent further deceptive messages from reaching you. In addition, promptly delete the suspicious message from your inbox or messaging app.

It's also advisable to report such fraudulent incidents to the relevant authorities or the police. By reporting these cases, you contribute to the collective efforts in combating online scams and protecting others from falling victim to similar scams.

4. Choose stronger passwords

Change your password immediately if you suspect it has been exposed to others.

You can also enhance your security by using strong, unique passwords for your email accounts. Avoid passwords that can easily be guessed including birthdates and anniversary dates, among others. You should also be careful in typing your passwords within view of someone else.

It's also better to update your device's antivirus software to safeguard it against malware and scams.

5. Protect your information

To safeguard your personal information from being captured by fraudulent websites, refrain from divulging personal, financial, or credit card details to unfamiliar or suspicious websites.

If a merchant or seller persistently demands your personal information, it's best to terminate the transaction promptly.

6. Stay informed

Awareness and vigilance are our best defenses against fraud.

Stay updated on the latest scam trends through credible sources and official announcements. Engage in discussions about scams with family members, seeking guidance or clarification whenever in doubt.

You can also share your knowledge with friends and fellow seniors to help them protect themselves against online scams. #