Consumers know to avoid the mostcommon scams and security pitfalls, but their defenses may be downduring the holidays. Schedules are tight, there's a lot to be donein very little time, and Internet use is up as people research giftideas to buy the perfect item for everyone on their list.

Thieves know this is a good time of year to strike. There's lessbrowsing and more buying, and shoppers are whipping out theircredit cards both online and at the local mall. Fortunately, a bitof education can go a long way toward helping members stay safe nomatter where their holiday activities take them.

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