Watch Out For These Six Holiday Scams

The holiday season is all about warmth, family, and joy, but it also brings out scammers who want to exploit the kindness of seniors.

In fact, studies reveal that nearly 80% of older adults have fallen victim to holiday scams in the past year. This guide is here to help you spot six of the most common holiday scams that pop up during this festive time targeting older adults and offers straightforward, sensible steps to safeguard your money and peace of mind.

Six Top Holiday Scams And How To Spot Them

1. Fake Shopping Deals

What it looks like: You receive an email or ad for “90% off” designer gifts, but after you purchase, nothing arrives.
How to stay safe: Stick with well-known retailers. Look for secure sites — “https://” and a lock icon in the address bar.

2. Charity Scams

What it looks like: A phone call or social media plea asks you to donate to an unfamiliar cause.
How to stay safe: Only give to charities you know. Look them up on Charity Navigator, BBB, or IRS listings.

3. Package Delivery Scams

What it looks like: A text claims you missed a delivery — “Pay $5 to reschedule” with a link included.
How to stay safe: Don’t click links. Instead, go to the courier’s official website or call them directly.

4. Grandchild Scams

What it looks like: A seemingly panicked caller pretends to be your grandchild needing help — asking for money fast.
How to stay safe: Always pause and call a trusted family member before you act.

5. Gift Card Scams

What it looks like: Scammers ask you to send money via gift cards, claiming it saves a loved one.
How to stay safe: Never use gift cards for payments — they don’t offer fraud protection.

6. Declined Card Requests

What it looks like: You get a message saying your card was declined. When you add your card info, you’re charged twice.
How to stay safe: Use your bank’s official app or customer service — don’t enter sensitive info in messages.

Simple Safety Tips For The Holidays

Tip	Why It Matters
Wait before giving money	Scammers use urgency — take a moment to think.
Use a credit card or bank app	They’re safer than gift cards or checks.
Never click on suspicious links	Instead, go to known websites yourself.
Check URLs carefully	Look for “https://” and those small padlock symbols.
Talk to your family	Scammers often exploit emotions — consult loved ones.
Shred holiday mail and receipts	This prevents identity theft.
Trust your gut	If something feels “off,” it probably is.

FAQ: Common Questions From Older Adults

Q: What If I’ve Already Given Money By Mistake?

A: Pause and call your bank immediately. They might be able to reverse a transaction or freeze a card.

Q: Someone Emailed Me Asking For Donations. Is It Safe?

A: No. Only donate through the official website of a known charity.

Q: I Got A Link In A Text About A Missed Package. Is That Real?

A: Likely not. Never click the link; go directly to the courier’s official site or call them.

Q: What If A Scammer Pretends To Be A Family Member?

A: Always call someone in your family directly to confirm before doing anything.

Q: How Can Sun Canyon Bank Help Me?

A: We can review your accounts, freeze cards, stop payments, and give you peace of mind all with friendly support. Call us or stop in today if you need help.

Glossary: Scam Terms Made Simple

Phishing: Fake messages trying to steal your money or info
Secure site: Look for “https://” and the lock icon
Charity scam: Fake causes that don’t use your money
Grandchild scam: Someone pretending to be a loved one in trouble
Delivery scam: Fake texts about missed packages

Trusted Resources

Final Thoughts

The holidays should be about joy and time with loved ones — not worries about scams. By staying alert, taking a moment to verify, and trusting your instincts, you can enjoy the season safely.

Remember, Sun Canyon Bank is here to help. If something seems suspicious or you need a hand, stop by our Sun City or Sun City West branches, or give us a call.

Contact Sun Canyon Bank