What is Phishing?
Phishing is when someone tries to trick you into revealing your personal information like user names, passwords, or PIN by pretending to be someone they’re not. It usually happens through email, but can also happen through instant messaging or by telephone when someone asks you to provide or confirm your personal information.

Avoiding Phishers
It’s a good idea to open up a browser window and type the URL directly into the address bar of the browser instead of copying and pasting (or clicking on) links from emails. A link in an email may take you to a site that looks legitimate, but isn’t. Banks and credit card companies, usually do not ask you to click on links in their email communications for your protection. Another option is to bookmark the site in your Favorites list so you are always taken to the proper website.

Don’t forget about DoubleSafe
When you’re logging in, many sites will ask you additional questions to confirm your identity. If you don’t see those questions, or something looks a bit fishy, then immediately close your browser and call the company instead.

Change your PIN or Password sometimes
You should change your PIN or Password at least once a year – more often if you think your account may have been compromised.  In fact, if your computer has been infected with a virus or malware, change your passwords again (after the computer is cleaned of course).  It is possible that the malware has captured the password, and will use it to wipe out your account.

It’s okay to blow the whistle
If you ever receive a suspicious email or call, simply don’t provide any personal or sensitive information and get in touch with the company directly to follow up on the inquiry.  In fact, when my credit card was compromised, the credit card company called me to tell me what had happened.  They also told me to hang up, and call the number on the back of the card, to verify that I was speaking with the correct people, and that it was not a scam.  I thought that was a great idea, and it did put my mind at ease.