Digital Crave

Watch out for these 12 scams of Christmas

Protect yourself from credit card fraud

'Tis the season for joy and giving -- but for malicious types it's also an ideal time to take advantage of online shoppers.

Scams run high leading up to and over the holidays, which could affect the 70 percent of Americans who plan on shopping online (and 25 percent who say they'll use a mobile device).

To help reduce the odds it'll happen to you, security experts McAfee has published a list of the 12 most common scams to watch for:

1. Phony E-tailers: Phony e-commerce sites, that appear real, try to lure you into typing in your credit card number and other personal details, often by promoting great deals. But, after obtaining your money and information, you never receive the merchandise, and your personal information is put at risk.

2. Malicious Mobile Apps: As smartphone users we are app crazy, downloading over 25 billion apps for Android devices alone! But as the popularity of applications has grown, so have the chances that you could download a malicious application designed to steal your information or even send out premium-rate text messages without your knowledge.

3. Travel Scams: Before you book your flight or hotel to head home to see your loved ones for the holidays, keep in mind that the scammers are looking to hook you with too-good-to-be-true deals. Phony travel webpages with beautiful pictures and rock-bottom prices are used to get you to hand over your financial details.

4. Holiday Spam/Phishing: Soon many of these spam emails will take on holiday themes. Cheap Rolex watches and pharmaceuticals may be advertised as the "perfect gift" for that special someone.

5. iPhone 5, iPad and other hot holiday gift scams: The kind of excitement and buzz surrounding Apple's new iPhone 5 is just what cybercrooks dream of when they plot their scams. They will mention must-have holiday gifts in dangerous links, phony contests and phishing emails as a way to grab computer users' attention to get you to reveal personal information or click on a dangerous link that could download malware onto your machine.

6. Skype Message Scare: People around the world will use Skype to connect with loved ones this holiday season, but they should be aware of a new Skype message scam that attempts to infect their machine, and even hold their files for ransom.

7. Bogus gift cards: Cybercriminals can't help but want to get in on the action by offering bogus gift cards online. Be wary of buying gift cards from third parties; just imagine how embarrassing it would be to find out that the gift card you gave your mother-in-law was fraudulent!

8. Holiday Smishing: "SMiSishing" is phishing via text message. Just like with email phishing, the scammer tries to lure you into revealing information or performing an action you normally wouldn't do by pretending to be a legitimate organization.

9. Social media scams: Many of us use social media sites to connect with family and friends over the holidays, and the cybercriminals know that this is a good place to catch you off guard because we're all "friends," right? Beware of ads for phony contests, "stay at home" jobs, and friends' Facebook and Twitter accounts being hacked and sending out fake alerts to all their "friends."

10. Fake charities: This is one of the biggest scams of every holiday season. As we open up our hearts and wallets, the bad guys hope to get in on the giving by sending spam emails advertising fake charities.

11. Dangerous e-cards: E-Cards are a popular way to send a quick "thank you" or holiday greeting, but some are malicious and may contain spyware or viruses that download onto your computer once you click on the link to view the greeting.

12. Phony classifieds: Online classified sites may be a great place to look for holiday gifts and part-time jobs, but beware of phony offers that ask for too much personal information or ask you to wire funds via Western Union, since these are most likely scams.

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