PROVIDENCE, R.I. -- The state Attorney General's office offers some Black Friday and Cyber Monday tips "to ensure a merry and bright holiday season for family finances," Attorney General Peter F. Kilmartin said in a news release Friday.
-- Bring ads with you while shopping to be sure prices match advertised prices.
-- Before making a purchase, ask if the store charges a restocking fee, and if so, how much. Some stores will charge a fee for "restocking" an item that you return for a refund or credit. Businesses that charge a restocking fee are supposed to disclose the fee. The notice should be clearly visible to consumers before purchases are made.
-- Before making a purchase, ask what the return policy is. Return policies vary. Refund policies must be posted at the point of display, at the cash register or at the store entrance.
-- When checking out, watch the cash register to be sure the scanned price matches the posted price.
-- Check your receipt for accuracy before leaving the store. Ask for a refund right then if you have been overcharged.
-- Check your credit card and bank statements often. By the time you receive your credit card bill or bank statement in January, a thief may have already made unauthorized charges.
If online shopping is your thing, here are some additional tips to help protect your identity and personal information:
-- Make sure your computer has updated anti-virus and anti-spyware software, updated spam filters and a secure firewall.
-- Use secure websites. A secure website has an address that begins with "https" and has the image of a small padlock at the bottom of the page.
-- Do not click on a link or open an attachment from an unknown source.
-- Shop websites of businesses/retailers that you know or trust.
-- Be familiar with the policies of each website.
-- Get details about refund policies and restocking fees as well as shipping and handling fees.
-- Make sure you read the site's privacy policy to understand what personal information is being requested and how it will be used. If there isn't a privacy policy posted, it is a red flag that personal information may be sold to others without your permission.
-- Beware of deals from unsolicited emails and offers on websites offering extremely low prices on hard to get items that sound "too good to be true."
-- Make sure the seller lists an address and phone number in case you have questions.
-- Pay by credit card in case you need to dispute the bill or withhold payment.
-- Print out and keep records of your purchases.
-- Beware of phishing attempts. Legitimate businesses do not send e-mails claiming problems with an order or an account to lure the consumer into revealing financial information. If you do receive such an email, call the retailer directly. Do not reply to the email and do not provide personal identifying information (i.e., your Social Security number, your credit card or bank account information).
If you believe you are a victim of consumer fraud, please contact the Consumer Protection Unit at the Department of Rhode Island Attorney General at (401) 274-4400. You can download a consumer complaint by visiting the website or by email.