Tag: credit card

CCPC warns of surge in online scams for Irish consumers

Irish consumers are being targeted by increasingly sophisticated online scams, according to a new set of case studies released by the Competition and Consumer Protection Commission (CCPC). The warning comes as Black Friday and Cyber Monday kick off the busiest shopping period of the year, creating prime opportunities for scammers to steal from unsuspecting shoppers.

With recent research revealing that almost 40% surveyed expect to make a purchase in the Black Friday/Cyber Monday sales, the CCPC is advising consumers to be extra vigilant and to stop and think before rushing into making a purchase.

The case studies, which date between November 2024 and August 2025, reveal losses ranging from €42 to €20,000 and highlight the wide range of methods used to scam consumers. These include fake websites, phishing emails, fraudulent job offers, rental accommodation scams, and investment fraud.

The CCPC is warning consumers to be especially wary of ads on social media, as scammers are using convincing clones of trusted websites and fake local shops to trick shoppers. To stay safe, always purchase through the retailer’s official website or app rather than clicking on the social media link.

Stop, search and stay safe 

To help consumers shop safely during the peak shopping season, the CCPC advises following three simple steps:

  • Stop: Scammers often create urgency to pressure quick decisions. If something feels off or too good to be true, stop and think before engaging further.
  • Search: Remember that logos, “about us” pages and imagery on websites can be fabricated. Always take a minute to check sites like Trustpilot or Reddit for independent reviews.
  • Stay safe:
    • Watch out for common red flags, including unusually large discounts – “up to 80% off”, unfamiliar websites, recently created social media profiles, and all five-star reviews.
    • Always use a credit card, debit card or trusted payment provider, rather than a direct bank transfer.

Grainne Griffin, director of communications at the CCPC said: 

“As the busiest shopping season of the year kicks off, it’s important that consumers avoid rushing into online purchases and transactions. Online scams have become more and more sophisticated, using convincing images and stories and carefully tailoring their ads to seem like they’re a trustworthy business.

“For the sake of your finances and your safety, take care when shopping online. Don’t let tactics like time-sensitive offers or countdown clocks pressure you into making a decision you might regret.

“Do your research, take your time, and don’t take risks, no matter how tempting the deal – you can lose an awful lot of money in just a few clicks. Always use a credit card, debit card or trusted payment provider like PayPal, rather than a direct bank transfer.”

What to do if you’ve been scammed when shopping online  

If you think you’ve been scammed, contact your bank or payment provider immediately. You may be able to initiate a chargeback and get your money back, and you may need to freeze your card to prevent further money being taken. An Garda Síochána are responsible for pursuing scam operators so contact your local Garda office and report it and of course you can ask us as many do each year.

For information on the different types of scams and how to spot them, visit ScamUniversity.ie.

TUDIA MagSafe Compatible Card Holder Case Review

The TUDIA MagSafe Compatible Card Holder Case is designed for those who value both convenience and style. With its ultra-slim profile, it seamlessly integrates with your phone while keeping your essentials close at hand. Whether you’re heading to work, running errands, or traveling light, this wallet case ensures you always have your most important cards securely with you.

Crafted from tough, high-quality materials, it not only adds a sleek look to your device but also delivers reliable everyday functionality. Its minimalist design makes it a perfect match for any lifestyle, offering a balance of practicality and modern elegance that fits right into your daily routine.

This will work with or without a case on your device andif you are already a tudia fan like us you are in luck it fits fine and the magent is super strong compared to others I have test in the past. If you have 3 cards or less this coud be ideal for you rather than having a sperate wallet check the video below for more.

Features

● MagSafe Compatible – Strong magnetic alignment for secure attachment.
● Holds 3 Cards – Store ID, credit, or transit cards with ease.
● Slim & Pocket-Friendly – Ultra-slim design fits comfortably in pockets.
● Quick Access – Thumb cutout for fast card retrieval.
● Durable Build – Tough, lightweight PC for long-lasting use.
● Everyday Ready – Perfect for commuting, travel, or daily errands.

Other Tudia reviews

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Video review

What Are the Most Reliable Sources for Checking Licensed Loan Providers in Singapore?

Finding a safe loan provider in Singapore takes more than just a quick online search. With many options available, it can be hard to know which sources give you accurate and trustworthy information. You need to know where to check licensed loan providers so you can borrow with confidence and avoid scams.

This article will guide you through the most dependable sources that help you confirm if a loan provider is properly licensed. You will see how official listings, government sites, and updated records give you the clarity you need before making any financial decision.

Quick Loan Credit Card Consolidation Loan

A credit card consolidation loan helps you combine multiple card balances into one payment. This can make it easier to manage your debts and reduce the total interest you pay each month. It is often used by people who want a simpler repayment plan.

If you need faster access to funds, an instant cash loan in Singapore can provide quick approval and disbursement. This option may suit you if you face urgent expenses while also trying to manage existing card debt.

The process is usually straightforward, with shorter approval times compared to traditional bank loans. You can expect a focus on speed and convenience, which helps if you want to address your debt quickly without long waiting periods.

By consolidating your credit card balances, you only need to track one monthly payment. This can reduce missed payments and help you regain better control over your finances.

Registry of Moneylenders by the Singapore Ministry of Law

The Registry of Moneylenders is the official source you should use to confirm if a loan provider holds a valid license in Singapore. It is maintained by the Ministry of Law and updated regularly to reflect the current list of approved lenders.

You can find details such as the lender’s business name, license number, address, and contact information. This helps you check that the details match what the lender provides before you proceed.

The registry also shows lenders whose licenses have been suspended or revoked. This allows you to avoid providers that no longer have the right to operate.

By using the registry, you reduce the risk of dealing with unlicensed lenders. It gives you a simple way to verify information before you share personal details or agree to any loan terms.

SBO.sg Top Licensed Moneylenders list

SBO.sg highlights a list of licensed moneylenders in Singapore that you can use as a reference. The site reviews providers based on factors such as reputation, customer feedback, and loan options. This gives you a quick way to compare different lenders without searching across multiple sources.

You can use their list to check which lenders are known for transparent terms and fair practices. By reviewing details like interest rates and repayment flexibility, you gain a clearer picture of what each lender offers. This helps you narrow down choices that fit your needs.

In addition, the list serves as a starting point before you confirm details with official government records. It allows you to save time by focusing only on names already reviewed for professionalism and service quality. Therefore, you can approach your loan search in a more organized and informed way.

Official Singapore Government websites

You should always check licensed loan providers through official government websites. These sites carry accurate and verified information, which helps you avoid false or misleading claims from unlicensed operators.

The Ministry of Law hosts the Registry of Moneylenders, where you can confirm the name, license number, and contact details of approved lenders. This step allows you to verify that a lender is genuine before you commit to any agreement.

Government websites in Singapore use the “.gov.sg” domain. This makes it easier for you to identify authentic sources and avoid fake sites that may try to trick you.

You can also find tools that let you verify other official records, such as business registrations or certificates. Using these platforms gives you direct access to information maintained by the authorities, which reduces the risk of dealing with fraudulent services.

MinLaw’s updated licensed moneylenders list

You should always start with the official list from the Ministry of Law. This list contains every licensed moneylender that has approval to operate in Singapore. It helps you confirm if a lender is legally recognized before you decide to borrow.

The list updates regularly, so you can trust that the information reflects the most current status of each lender. If a company does not appear there, you should treat it as a warning sign.

You can also verify both the physical address and the website address of a lender against the official list. This step protects you from dealing with unlicensed or fraudulent operators.

By using this source, you save time and reduce risk. It gives you a direct way to check legitimacy without depending on third-party reviews or advertisements.

 

You can check licensed loan providers in Singapore by using the official list from the government. This list is updated often and shows which lenders hold a valid license.

It also helps to confirm details directly with the lender, such as their office address and contact information. Clear communication and transparent terms are strong signs of a proper lender.

By using official sources and cross-checking details, you protect yourself from scams and avoid unlicensed operators. This approach gives you a safer way to borrow with confidence.

 

5 Payment Methods Compared: Which One Is the Most Secure?

In the digital age, the importance of secure payment methods cannot be overstated. With the rise of e-commerce and the increasing frequency of online transactions, it’s crucial for consumers and businesses to understand the safety measures associated with various payment options. This article will compare five popular payment methods, highlighting their security features and helping you determine which one is the most secure for your needs. Whether you’re a seasoned shopper or a merchant looking for the best debt relief merchant accounts, understanding the protection each method offers is vital in the fight against fraud and cybercrime.

1. Credit Cards

Credit cards remain one of the most widely used payment methods in the world. They come with a variety of security features, including the EMV chip that encrypts transaction data, making it difficult for hackers to clone cards. Additionally, most credit card issuers offer zero-liability policies for unauthorized transactions, meaning you won’t be held responsible for fraudulent charges. The three-digit CVV code on the back and the requirement for a signature or PIN add extra layers of protection. However, credit cards can still be compromised if your card details are stolen online or if the card is physically lost or stolen.

2. Debit Cards

Debit cards are linked directly to your bank account, offering the convenience of immediate access to your funds. While they are generally secure, they lack some of the robust protections that come with credit cards. For example, debit cards are not always EMV-chip enabled and may not have the same zero-liability policies. Additionally, if your account is compromised, the funds can be withdrawn directly, potentially leaving you without access to your money until the issue is resolved. However, using a PIN and monitoring your bank statements can help mitigate risks. For businesses, having the best debt relief merchant accounts can provide additional security and protection against fraudulent transactions.

3. E-Wallets

E-wallets like PayPal, Apple Pay, and Google Wallet store your financial information in a digital wallet, allowing you to make payments using your smartphone or computer. These platforms typically require multi-factor authentication, such as a password, biometric verification, or a one-time code sent to your device. This reduces the chances of unauthorized access. Furthermore, they often come with purchase protection policies and the ability to freeze your account if you suspect fraud. However, if your device is compromised or your e-wallet password is stolen, your funds could be at risk.

4. Cryptocurrency

Cryptocurrencies such as Bitcoin operate on a decentralized network, which can offer enhanced security through encryption and blockchain technology. Transactions are recorded on a public ledger, making it challenging for fraudsters to alter transaction data. However, the anonymity of cryptocurrency can be a double-edged sword. If your digital wallet is hacked or you lose access to your private key, your funds may be irrecoverable. Moreover, since cryptocurrency is not backed by any government or institution, there is no insurance to protect you from theft or loss.

5. ACH Transfers

Automated Clearing House (ACH) transfers are used for direct payments between bank accounts. This method is often favored for recurring transactions like paying bills or receiving payroll. ACH transfers require your bank’s routing number and account number, which can be risky if shared with untrusted parties. However, with proper security measures, such as two-factor authentication and encryption, ACH can be a secure way to move funds. Additionally, the ACH network has its own set of rules and regulations that protect consumers against unauthorized transactions.

 

When comparing the security of different payment methods, it’s essential to consider your specific needs and the context of each transaction. For instance, if you’re looking for the most secure option for online shopping, credit cards with EMV chips and zero-liability policies might be your best bet. If you prioritize convenience and speed, e-wallets with multi-factor authentication could serve you well. Meanwhile, ACH transfers might be the safest for recurring payments or when dealing with trusted entities.

 

There isn’t a one-size-fits-all answer to the question of the most secure payment method. Each option has its advantages and vulnerabilities. The key is to be aware of these and to implement good security practices, such as using strong passwords, updating your software, and monitoring your accounts regularly. By staying informed and vigilant, you can significantly reduce the risk of financial loss regardless of the payment method you choose.

Millions of Britons fall victim to fake websites here is how to avoid it and be aware

Over five million Britons have been scammed on a fake website in the last year and over half of those (2.7 million) have lost money from it according to a new study by F-Secure. With an average loss of £50 this totals up to £130m being stolen from Britons’ pockets, and the UK economy.

It’s no secret that cyber criminals employ sophisticated tactics to orchestrate shopping scams, and the creation of fake websites that mimic well-known, established brands is just one of those ways.

In a recent study by F-Secure, research uncovered what Britons are buying when they are hit by fake websites and it’s impacting a spectrum of industries. The most common products are:

  1. Technology
  2. Clothing
  3. Home furnishings
  4. Cosmetics
  5. Footwear

In a bigger twist, further research by F-Secure found that six in 10 consumers have avoided shopping with small and independent businesses: expressing a preference for shopping with better-known and established brands. However, more than half of the identified fake websites were impersonating three leading global mass-market brands.

Here, F-Secure’s Tom Gaffney, talks more about the issue of brand impersonation and what consumers should look out for.

The presumption that bigger brands are safer is where the danger lies because they are more prone to impersonation. They are easier to impersonate and often big brands that offer high demand items (the latest Nike shoe, Apple device for example), can be more lucrative for cybercriminals.

Fraudsters are clever – leveraging brand assets such as imagery, logos, and colours – fraudsters lure consumers in with an illusion of authenticity. They also use nefarious domains, employing slight misspellings that go unnoticed, or using subtle unconventional domains like ‘.shop’ or ‘.xyz’. This all poses a challenge in discerning their legitimacy.

The primary goal of brand impersonation is to deceive consumers into providing sensitive personal information, such as credit card details, or to lure them into purchasing counterfeit or compromised goods and taking their money. Alternatively, scammers may simply aim to defraud customers by accepting payments without delivering the promised products or services.

It’s important that consumers stay vigilant to ensure the best protection for themselves and their wallets against online scamming tactics. Here are nine top tips to staying safe when shopping online:

Check if a website is safe to use: 

Use a trusted tool like F-Secure Online Shopping Checker to check if a website is safe to buy from.

Monitor your bank accounts and credit cards

Regularly check your bank and credit card statements for any unauthorised transactions and report any suspicious activity to your financial institution immediately.

Use unique and strong passwords

If user details are stolen from a legitimate retailer via a data breach, shoppers could be at risk. So it’s important to use a strong, unique password when creating your online accounts.

Enable two-factor authentication (2FA)

Always enable two-factor authentication (2FA) where available. Two-factor authentication works by adding extra security to online accounts (beyond your username and password).

Be vigilant about email scams

If you receive a suspicious email claiming to be from a big brand urging you to click a link, don’t do it. If you think it’s genuine, go directly to the official website by typing the URL into your browser.

Use a credit card or PayPal

Many credit card providers offer insurance against fraud. PayPal also offers some support for safe online shopping. Avoid wire transfers or other untraceable payment methods.

Beware of big bargains

Nowadays, comparison engines have essentially removed the need for retailers to provide large discounts. So, it’s important to be wary of huge offers that seem too good to be true.

Be vigilant even with brands you know and trust

Given that scammers often impersonate bigger brands, make sure to remain vigilant even when shopping with the brands you know.

Use a reliable internet security app

The best way to stay safe online is by using a trusted internet security product. With F-Secure Total, your passwords are monitored, you’ll be alerted of breaches if they occur, and your access to potentially harmful shopping sites will be automatically blocked.