Summer is upon us, and after a long year – most of us are more than ready for a vacation. However, while we all look forward to that long-awaited break, it’s essential to be aware of the potential risks that can arise – such as summer vacation scams.

Scammers have developed sophisticated tricks to exploit travelers, especially during high-demand periods like the summer vacation season. Here’s how you can avoid being their next victim, and ensure a relaxing and trouble-free vacation.

Research Thoroughly

It’s no surprise many of us are looking online for travel deals — especially as inflation continues. According to a new McAfee Report, 56% of travelers say they’re using the internet to search for travel bargains, with 35% saying they would try new booking sites in order to snag a good price.

But in the world of the digital age, it’s easy to fall for ‘too good to be true’ deals or discounts when you’re eager for a break.

Make sure you are booking through a reputable travel agency or website. Look for reviews and ratings of the service or property you are interested in. Keep in mind, scam websites can often look quite legitimate – so make sure to look for secure URLs that begin with ‘https’ and be cautious of those asking for a bank transfer as the only payment method.

Be Wary of Unsolicited Offers

One common scam tactic involves sending unsolicited emails, texts, or even calls offering unbeatable vacation deals. These offers may look like they’re from well-known travel agencies or airlines, complete with logos and official looking email addresses. For instance, you may receive an email stating that you’ve “won a free trip” or “you’ve been selected for a heavily discounted luxury vacation.”

Be particularly cautious if these messages include a sense of urgency, such as “limited time offer” or “claim within the next 24 hours.” These are red flags that the offer could be a scam. Instead of clicking on any links or replying to these unsolicited offers, go directly to the travel company’s official website or contact them directly to verify the legitimacy of the offer. This extra step can save you from falling into a well-laid scam trap.

Use Secure Payment Methods

Scammers often ask for payment methods that are hard to trace, such as wire transfers or prepaid gift cards. Always use secure payment methods when booking your vacation. Credit cards offer the best protection against fraud, as they have built-in safeguards and allow you to dispute charges if you become a victim of a scam. At First Financial, we offer zero fraud liability for all our credit cards so you can have added backup on all your purchases. You can even earn perks like points for travel-related purchases when you use the First Financial Cash Plus Credit Card.*

Double Check Rental Listings

Renting a private home or apartment for your vacation can provide a more personal and unique experience than a hotel. However, it also comes with its risks. Scammers often list properties that they don’t own or that don’t even exist. To protect yourself, never pay outside of the platform you are booking through and always check for multiple photos and reviews of the property.

Get Everything in Writing

Avoid verbal agreements and get all details, including the total cost, cancellation policies, and what the package includes – in writing. This provides a record and helps you avoid unpleasant surprises during your vacation.

Consider a Travel Agent or Insurance

In an era of DIY travel planning, it’s easy to overlook the benefits of working with a professional travel agent. Reputable travel agents have the expertise and insider knowledge to help you navigate the vast sea of vacation options. They have established relationships with hotels, airlines, and tour operators – which means they can often offer packages and deals that you wouldn’t find on your own.

More importantly, a reliable travel agent provides an additional layer of security against potential scams. They vet the companies they work with, ensuring the legitimacy of your accommodations, flights, and other travel arrangements. It’s also important to consider getting travel insurance to cover unforeseen events such as trip cancellations, delays, or medical emergencies. Make sure to read the policy carefully to know what it covers.

Summer vacations should be about relaxation, fun, and making memories, not dealing with scams. While the tips above can help you avoid most scams, always remember that if something seems too good to be true – it probably is.

Stay safe and travel smart with First Financial. Let us help you navigate your financial journey with ease and security. Check out our First Scoop blog for more fraud prevention tips.

Happy travels!

*Your First Financial Visa® Cash Plus Credit Card will earn cash back based on your eligible purchase transactions. The cash back will be applied to your current credit card balance on a quarterly basis and be shown cumulatively on your billing statement. Unless you are participating in a limited time promotional offer, you will earn 1.5% cash back based upon eligible purchases each quarter. APR varies up to 18%, when you open your account based on your credit worthiness. This APR is for purchases and will vary with the market based on the Prime Rate. Subject to credit approval. Rates quoted assume excellent borrower credit history. Your actual APR may vary based on your state of residence, approved loan amount, applicable discounts and your credit history. No Annual Fees. Other fees that apply: Balance Transfer and Cash Advance Fees of 3% or $10, whichever is greater; Late Payment Fee of $29, $10 Card Replacement Fee, and Returned Payment Fee of $29. A First Financial membership is required to obtain a Visa® Credit Card and is available to anyone who lives, works, worships, volunteers, or attends school in Monmouth or Ocean Counties.