Tips for holiday shopping
Layaway
Know the payment terms.
Know the penalties.
Keep good records.
Online shopping
Know who you are dealing with. Confirm the online seller’s physical address and phone number before you buy.
Check the terms and conditions, including return policy, shipping costs and restocking fees.
Pay by credit or charge card for the best consumer protection and to reduce liability.
Use antivirus or anti-spyware software and a firewall; update them regularly.
General tips
Buy gift cards from sources you know and trust. Avoid buying gift cards from online auction sites because they could be fake.
Get a copy of the store’s return/refund policy.
Track your finances. Stick to a budget. Review bank statements for unauthorized purchases.
Source: South Carolina
Department of Consumer Affairs
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