Security & Safety Resource Center

Let’s face it, whipping out your plastic credit card every time you shop online or tap at a register is getting old. Not only is it inconvenient, but every time you hand that card over or type those 16 digits into a website, you are exposing your financial life to potential risk.

But there’s a much smarter, safer way to pay that you probably already have access to: Apple Pay (or any other reputable digital wallet). Using your iPhone or Apple Watch to pay isn’t just about speed; it’s about adding a powerful, invisible layer of security to every transaction.

The Security Secret: Tokenization

The reason digital wallets like Apple Pay are safer than your physical card is all thanks to a genius security process called tokenization.

When you first set up your credit card in your Apple Wallet, the system doesn’t just save your real credit card number. Instead, your credit card number is instantly replaced with a unique, encrypted code called a token (also known as a Device Account Number).

Here’s the security magic in action:

1. Your Real Number Stays Secret: Your actual 16-digit credit card number is stored only within a secure chip on your device. It never leaves your phone.
2. The Token Goes to the Merchant: When you tap your iPhone at a store or select Apple Pay online, the merchant’s system receives that unique, one-time-use token, not your real card number.
3. The Token is Useless to Thieves: If a criminal somehow manages to steal that token from the retailer’s database, the token is essentially worthless. It’s tied to your specific phone and the specific transaction. They can’t use it to clone your physical card or start shopping online.

This ensures that no one—not the cashier, not the website, and not a data thief—ever gets your actual credit card information. Your sensitive data stays locked down, and only you have the key.

More Layers of Defense

Apple Pay doesn’t stop with tokenization. It adds two other critical security features:

1. Biometric Security

To authorize any payment, you must authenticate the transaction using something only you possess—your fingerprint (Touch ID) or your face scan (Face ID). This means that if you lose your phone, a thief can’t easily start making purchases. Even if they somehow bypass your phone’s lock screen, they still can’t use your payment methods without your unique biometric signature.

2. Reduced Data Exposure

When you shop online, using Apple Pay eliminates the need to manually type your credit card details into a checkout form. This is a massive win, as manually entering details opens you up to keylogging malware (which records your keystrokes) or phishing sites designed to steal your information. With Apple Pay, you just authenticate the transaction, and the token does the rest.

Stop giving away your sensitive data every time you check out. Make the switch to Apple Pay today and let tokenization be the bodyguard for your wallet!

You love convenience, right? It’s easy to just log into your computer with the one account that lets you do everything: install new programs, change system settings, update drivers—the works. That one account is your Administrator account (or “Admin” account).

While having this power feels great, using your Admin account for daily tasks—like browsing the web, checking email, or just scrolling social media—is actually a huge security risk. It’s like carrying the keys to your entire digital kingdom in your pocket every single day. If you lose those keys, the damage is catastrophic.

The Danger of Having Too Much Power

Admin accounts are powerful because they extend special permissions that regular accounts don’t have. They can modify core system files, manage security settings, and make sweeping changes to your device.

The bad news is that if your device is lost, stolen, or, most commonly, hacked, these administrator capabilities could be implemented by the attacker to cause serious harm.

1. Malware Goes Straight to the Core

When you browse the internet or open an attachment while logged in as an Admin, any malicious software (malware) that manages to infect your system automatically inherits those same high-level permissions.

• A virus or ransomware can then easily install itself deep into the operating system.
• It can disable your antivirus program.
• It can access and encrypt all files on all user profiles.
• It can install permanent “backdoors” that allow hackers to return later.

If you were logged in with a standard, non-admin account, the malware would hit a roadblock. It would lack the necessary permission to make system-wide changes, effectively sandboxing the damage.

2. The Phishing Catastrophe

Let’s say you fall for a sneaky phishing scam and click a malicious link. If you are an Admin, that malicious website or file can instantly run a damaging script with full system privileges.

If you are using a standard account, the system will often prompt you for an administrator password before allowing a major change. This provides a crucial moment for you to stop and think—”Wait, why is my web browser asking for my admin password?” This pause can save your entire system.

Your Active Solution: Set Up a Second Account

Protecting yourself is simple: set up a second account for daily use, one without Admin privileges.

• Create a Standard User Account: Use this account for all your routine, everyday tasks: checking email, watching videos, reading news, social media, and word processing.
• Reserve the Admin Account: Keep your Admin account strictly locked down. Only log into it when you absolutely must perform a system-level task, such as installing new software or running major updates.

By making this small change, you practice the principle of “Least Privilege.” You give yourself (and any potential threats) only the level of access needed to perform a task. If disaster strikes, your Admin keys stay safe, and the damage remains minor and isolated to a limited profile.

Take a few minutes today to check your user accounts and set up a standard profile. It’s the simplest way to give your computer an essential layer of digital armor.

The holidays roll around, your birthday hits, or maybe you just need a new gadget—online shopping is a major part of life! And with all that shopping comes a flood of emails: sale alerts, coupon codes, and special offers from your favorite stores.

Here’s a simple, active rule that can save you from a nasty financial headache: If you want to shop online, open a new tab and find the store through your browser. Do not click on a link in an email to start shopping.

Why are we so firm on this? Because every single day, cybercriminals send out thousands of fake emails pretending to be reputable retailers. These are called phishing scams, and their goal is to gain your personal information, especially your credit card number, by tricking you into visiting a fraudulent website.

The Danger of the Quick Click

Scammers know you’re busy and that you trust big names like Amazon, Target, or your favorite local boutique. They use that trust against you.

1. The Fake Email is Too Convincing

Criminals have gotten incredibly good at mimicking official email templates. The logo looks perfect, the colors match, and the language sounds urgent—”Your order has a problem,” or “Hurry, 50% off for 24 hours only!” These emails look so real that your brain skips the crucial step of verification.

2. The Link is the Trap

When you click the link in a scam email, you are directed to a phishing site. As we talked about before, these fake sites are often pixel-perfect clones of the real online store. You log in (giving the scammer your password) and then you proceed to checkout, where you happily type in your credit card number, thinking you’re getting a great deal.

In reality, you’ve just handed your sensitive details directly to a criminal. The scammer now has your card number, expiration date, and security code, ready to go on a spending spree in your name.

Your Active Solution: The “Open Tab” Rule

You don’t have to miss out on sales or coupons. You just have to change how you get there. Make this your new habit every time you want to shop:

1. See an Email You Like? Read it, note the sale, but close the email immediately.
2. Open a New Tab: Open your web browser (Chrome, Safari, Firefox, etc.) and open a brand new tab.
3. Type the Address: Manually type the store’s official, correct website address into the address bar (e.g., amazon.com or bestbuy.com).
4. Shop Safely: Once you are on the real, verified website, you can confidently search for the sale items mentioned in the email. You have bypassed the malicious link and protected yourself from the phishing trap.

This simple action—taking the time to open a new tab and type the correct URL—is your best defense against having your credit card stolen during online shopping. It ensures that you are interacting with the legitimate company, not a criminal clone. Make the switch today and shop with confidence!