November 24, 2014
12 Tips to Protect Yourself this Black Friday
Las Vegas, NV – With many people taking to brick and
mortar stores to start their holiday shopping, Nevada Attorney General
Catherine Cortez Masto offers tips to avoid scams.
“The holidays are a busy time for shoppers and merchants,” said Masto.
“Consumers should take additional measures to safeguard their interests and make
sure they do not overpay for goods and services.”
Tips for shoppers visiting brick and mortar stores:
- Do your homework in advance to know the value of the
product and shop around for the best deals. Read the small print in store
ads carefully.
- Bring a copy of the store's ad with you to verify that
advertised sale prices are the same as what the store is charging.
- Monitor the cash register during the transaction to
ensure you are being charged the correct price and that your coupons are
being applied.
- Ask for the store’s return policy and if any
re-stocking fees will be charged.
- Consider layaway. If you’re buying through a layaway,
be sure you understand the policies, including any additional fees or
restrictions, and cancellation policies.
- Review the warranty. If you’re buying a
warranty/extended warranty, be sure you understand the terms, including what
is and is not covered. Compare the manufacturer’s warranty to store’s
warranty for added value; you may not need the in-store warranty.
- Opt to buy gift cards instead of pre-paid cards to
avoid additional fees. If you are buying a gift card, be sure you understand
the terms, including if the merchant charges a gift card purchase fee and/or
an inactivity fee.
- Review receipts before leaving the store for any
discrepancies and ask for a refund immediately if you believe you have been
overcharged.
- Save all receipts. Ask for gift receipts to ensure your
friends and family receives the full price you paid if they need to return
or exchange your gift. Never toss ATM and credit card receipts in a public
trash container.
- Use credit cards instead of debit cards. Credit cards
are backed by the financial institutions and protect your identity should
there be a data breach. If your card is lost or stolen, your maximum
liability is $50 maximum so long as it is reported within 48 hours.
- Carry only one or two credit cards in your wallet; do
not carry your social security card in your wallet or other personal
information.
- Research charities before giving. Avoid charity scams
by asking for the organization name, mission statement, and breakdown of how
the funds will be used. The charity should also provide proof that your
donation will be tax deductible. For more tips on avoiding charity scams,
click
here.
If you believe that you have been the victim of fraud, deception or an unfair
business practice, the Attorney General's Office complaint forms are available
on our website ag.nv.gov.
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