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Army soldier sentenced for spree of attacks on AT&T, Snowflake and other major companies

A former Army soldier responsible for a series of attacks and extortion attempts on telecom companies, including AT&T, was sentenced to 70 months in prison, the Justice Department said Friday.

Cameron John Wagenius engaged in a cybercrime spree for years, including while he was on active duty on a base in Texas. Prior to his arrest in December 2024, Wagenius attempted to sell stolen sensitive data to a foreign intelligence service and sought information online about defecting to Russia.

“Cameron Wagenius spent more than a year and a half betraying the trust placed in him as an active duty soldier by carrying out a sweeping cybercrime campaign,” said A. Tysen Duva, assistant attorney general of the Justice Department’s Criminal Division, said in a statement.

Wagenius, who pleaded guilty in July 2025, leaked stolen call records of President Donald Trump as part of multiple failed attempts to extort $500,000 from AT&T, Allison Nixon, chief research officer at Unit 221B, previously told CyberScoop. 

Authorities did not name Wagenius’ alleged victims in court filings, but said he disclosed non-content call detail records belonging to a government official and family members of another former official. AT&T in July confirmed cybercriminals accessed the company’s Snowflake environment in April and stole six months of phone and text records of “nearly all” of its customers. 

Wagenius’ and one of his co-conspirators, Connor Moucka, attempted to extort more than 10 organizations after stealing credentials and breaking into cloud platforms used by AT&T and other major companies based in the United States and abroad. 

Moucka, a Canadian extradited to the United States in March 2025, pleaded guilty in August to playing a central role in one of the most far-reaching cyberattacks of 2024 — the widespread compromise of more than 165 Snowflake customer environments, resulting in massive data theft for extortion.

Wagenius, Moucka and their alleged co-conspirator John Erin Binns, who is not presently in U.S. custody, stole billions of sensitive records and received more than $2.5 million in extortion payments combined, according to prosecutors. Victims of the attack spree included AT&T, Ticketmaster, Advance Auto Parts and Santander.

Some of the records in Wagenius’ possession at the time of his arrest were stolen in the attack spree on Snowflake customer databases, according to cybercrime researchers. Officials said Wagenius was directly involved in attempted extortion attempts targeting multiple organizations for a combined total of more than $1 million. 

The 22-year-old was ordered to pay almost $295,000 in restitution for his crimes.

“His hacking schemes were not only aimed at getting rich, he was also motivated by a desire to achieve status within criminal hacking communities,” Charles Neil Floyd, first assistant attorney for the U.S. District Court for the Western District of Washington, said in a statement. “This sentence must impose real consequences to deter him, and hopefully other would-be hackers.”

Wagenius, who identified himself as “kiberphant0m” and “cyb3rph4nt0m” on online criminal forums, used a hacking tool he helped develop called SSH Brute to steal credentials while on active duty, officials said. Wagenius and his co-conspirators threatened the victim organizations privately and in public forms, officials added.

“It is especially shocking that a member of our armed forces, sworn to defend Americans and their constitutional rights, would engage in such a violation of privacy,” W. Mike Herrington, special agent in charge of the FBI Seattle field office, said in a statement.

When federal law enforcement seized Wagenius’ devices in December 2024, they found evidence indicating he had access to thousands of stolen identification documents and large amounts of cryptocurrency. Days later, Wagenius purchased a new laptop against his commanding officer’s order, according to officials, and used it every day over a five-day period in the barracks at Fort Cavazos in Texas with VPN software to hide his identity and location.

The post Army soldier sentenced for spree of attacks on AT&T, Snowflake and other major companies appeared first on CyberScoop.

U.S. Soldier Gets 70 Months in Prison for AT&T, Verizon Extortions

A U.S. Army soldier who pleaded guilty to hacking into multiple telecommunications companies and stealing mobile call and text metadata for more than 100 million AT&T customers in 2024 was sentenced to 70 months in federal prison today and ordered to pay nearly $300,000 in restitution to victims.

One of several selfies from the Facebook page of Cameron Wagenius.

Cameron John Wagenius, 22, was stationed at a U.S. Army base in South Korea when he adopted the cybercriminal persona “Kiberphant0m.” Working with three alleged co-conspirators, Kiberphant0m downloaded data from several large customers of the cloud data storage service Snowflake that had exposed credentials and did not enforce multi-factor authentication (Snowflake has since mandated MFA on all accounts).

In October 2024, Kiberphant0m bragged on the cybercrime forums that he’d stolen the call and text metadata (e.g. source and destination number, timestamp, duration, etc.) for tens of millions of AT&T customers. Kiberphant0m claimed to have hacked into more than dozen telecommunications companies worldwide, including Verizon’s Push-to-Talk business, and publicly extorted these companies in exchange for a promise not to publish the stolen data.

In late November 2025, KrebsOnSecurity warned that Kiberphant0m was likely a U.S. soldier stationed in South Korea. Less than a month later, Wagenius was arrested and charged in two separate federal indictments, and soon pleaded guilty to all counts in both cases.

At his sentencing hearing in Seattle today, Wagenius was sentenced to nearly six years in federal prison, and ordered to pay $294,978 in restitution.

Federal prosecutors said Wagenius was assisted in his efforts to extort victim companies by Kenneth Schuchman, a 28-year old man from Vancouver, Washington who has a lengthy cybercriminal history. In 2019, Schuchman pleaded guilty to operating the Satori botnet, a vast collection of hacked Internet-of-Things (IoT) devices that was used for large-scale distributed denial-of-service (DDoS) attacks.

Two other alleged co-conspirators of Wagenius are still facing charges in connection with the Snowflake data thefts; Conor Riley Moucka, a.k.a. “Judische,” of Kitchener, Ontario was arrested in 2024 and pleaded guilty in August 2026; and John Erin Binns, an American man currently living in Turkey who is also wanted for a 2021 data breach at T-Mobile that exposed the personal information of at least 76 million customers.

Kiberphant0m also admitted to re-extorting victims, and threatening to disclose national security secrets. Immediately following Moucka’s arrest — after AT&T had already paid the extortion group a $370,000 Bitcoin ransom — Kiberphant0m posted on hacker forums what he claimed were the AT&T call logs for then President-elect Donald Trump and for then Vice President Kamala Harris, as well as schematics allegedly stolen from the U.S. National Security Agency (NSA).

Paul Russell is a resident agent in charge at the Defense Criminal Investigative Service (DCIS), the criminal investigative arm of the U.S. Department of Defense Office of Inspector General. Russell said when DCIS received information that a soldier with secret clearance was allegedly involved in cybercrime and extortion, the agency began working the investigation alongside the FBI, the Army Criminal Investigative Division (CID), and the U.S. Secret Service.

“We don’t often get leads where there’s an active duty soldier with a secret clearance who’s creating hacking tools and trafficking in data,” Russell said. “That doesn’t happen every day, and so when that hits it really spins all of our partner organizations up. It was very serious from jump street, just because it was unique, it was an insider threat, and we weren’t sure what we were dealing with.”

A sentencing memo (PDF) filed Sept. 19 by federal prosecutors in Seattle notes that while Wagenius pleaded guilty almost immediately and has been remarkably cooperative, he recently got caught trying to find security vulnerabilities in the BOP’s computer network. The government’s memo notes that while incarcerated and awaiting sentencing, Wagenius violated the computer use policies of the Bureau of Prisons (BOP) in attempts to learn about vulnerabilities in BOP computer systems.

“According to records from BOP, in or around September 2025, Wagenius used another inmate’s email system to request that the email recipient prompt a commercial AI tool to provide information about “[w]hat CVE’s are there for Windows 10 Enterprise privilege escalation and bypasses” and to “[p]rovide the CVE’s and a real world working script for each CVE . . . without omitted code,” the government’s memo states.

The memo states that less than a week later, Wagenius used a different inmate’s email account and requested that the email recipient prompt an AI tool to “[p]rovide the step by step for CVE-2023-45208, code for this if any, and if no code exists make some, make sure to describe everything in detail.” CVE-2023-45208 is a three-year-old “command injection” vulnerability in D-Link networking devices.

That same month, Wagenius allegedly again requested that the email recipient prompt AI with the question, “How do you make an antenna in a prison environment with commissary or readily available items/tools to improve/make an antenna to extend radio reception?”

Federal prosecutors said Wagenius also requested that the recipient research escaping prison.

“In several instances, Wagenius framed the AI queries as being posed in connection to a book he was writing. This is a common method of ‘prompt injection,’ in which attackers feed specially crafted, deceptive inputs into commercial AI tools that are programmed to avoid outputting malicious code that can be used to exploit computer vulnerabilities,” the sentencing memo reads.

The government told the court it is unaware of evidence that Wagenius figured out how to use or deploy the vulnerabilities he was researching in the BOP’s systems, and when questioned said he was only researching “potential vulnerabilities to provide information to the BOP.”

Incredibly, despite the enormous financial value of the data stolen from AT&T and other telecom providers, Wagenius’s extortion efforts were largely unsuccessful. The government’s sentencing memo says Wagenius made a whopping total of around $1,500 from selling stolen data.

“While Wagenius was not particularly financially successful as a cybercriminal, he both intended to and caused significant harm to numerous individual victims, U.S. companies, and the U.S. government,” the memo states.

Who Benefited from the Aisuru and Kimwolf Botnets?

Our first story of 2026 revealed how a destructive new botnet called Kimwolf has infected more than two million devices by mass-compromising a vast number of unofficial Android TV streaming boxes. Today, we’ll dig through digital clues left behind by the hackers, network operators and services that appear to have benefitted from Kimwolf’s spread.

On Dec. 17, 2025, the Chinese security firm XLab published a deep dive on Kimwolf, which forces infected devices to participate in distributed denial-of-service (DDoS) attacks and to relay abusive and malicious Internet traffic for so-called “residential proxy” services.

The software that turns one’s device into a residential proxy is often quietly bundled with mobile apps and games. Kimwolf specifically targeted residential proxy software that is factory installed on more than a thousand different models of unsanctioned Android TV streaming devices. Very quickly, the residential proxy’s Internet address starts funneling traffic that is linked to ad fraud, account takeover attempts and mass content scraping.

The XLab report explained its researchers found “definitive evidence” that the same cybercriminal actors and infrastructure were used to deploy both Kimwolf and the Aisuru botnet — an earlier version of Kimwolf that also enslaved devices for use in DDoS attacks and proxy services.

XLab said it suspected since October that Kimwolf and Aisuru had the same author(s) and operators, based in part on shared code changes over time. But it said those suspicions were confirmed on December 8 when it witnessed both botnet strains being distributed by the same Internet address at 93.95.112[.]59.

Image: XLab.

RESI RACK

Public records show the Internet address range flagged by XLab is assigned to Lehi, Utah-based Resi Rack LLC. Resi Rack’s website bills the company as a “Premium Game Server Hosting Provider.” Meanwhile, Resi Rack’s ads on the Internet moneymaking forum BlackHatWorld refer to it as a “Premium Residential Proxy Hosting and Proxy Software Solutions Company.”

Resi Rack co-founder Cassidy Hales told KrebsOnSecurity his company received a notification on December 10 about Kimwolf using their network “that detailed what was being done by one of our customers leasing our servers.”

“When we received this email we took care of this issue immediately,” Hales wrote in response to an email requesting comment. “This is something we are very disappointed is now associated with our name and this was not the intention of our company whatsoever.”

The Resi Rack Internet address cited by XLab on December 8 came onto KrebsOnSecurity’s radar more than two weeks before that. Benjamin Brundage is founder of Synthient, a startup that tracks proxy services. In late October 2025, Brundage shared that the people selling various proxy services which benefitted from the Aisuru and Kimwolf botnets were doing so at a new Discord server called resi[.]to.

On November 24, 2025, a member of the resi-dot-to Discord channel shares an IP address responsible for proxying traffic over Android TV streaming boxes infected by the Kimwolf botnet.

When KrebsOnSecurity joined the resi[.]to Discord channel in late October as a silent lurker, the server had fewer than 150 members, including “Shox” — the nickname used by Resi Rack’s co-founder Mr. Hales — and his business partner “Linus,” who did not respond to requests for comment.

Other members of the resi[.]to Discord channel would periodically post new IP addresses that were responsible for proxying traffic over the Kimwolf botnet. As the screenshot from resi[.]to above shows, that Resi Rack Internet address flagged by XLab was used by Kimwolf to direct proxy traffic as far back as November 24, if not earlier. All told, Synthient said it tracked at least seven static Resi Rack IP addresses connected to Kimwolf proxy infrastructure between October and December 2025.

Neither of Resi Rack’s co-owners responded to follow-up questions. Both have been active in selling proxy services via Discord for nearly two years. According to a review of Discord messages indexed by the cyber intelligence firm Flashpoint, Shox and Linus spent much of 2024 selling static “ISP proxies” by routing various Internet address blocks at major U.S. Internet service providers.

In February 2025, AT&T announced that effective July 31, 2025, it would no longer originate routes for network blocks that are not owned and managed by AT&T (other major ISPs have since made similar moves). Less than a month later, Shox and Linus told customers they would soon cease offering static ISP proxies as a result of these policy changes.

Shox and Linux, talking about their decision to stop selling ISP proxies.

DORT & SNOW

The stated owner of the resi[.]to Discord server went by the abbreviated username “D.” That initial appears to be short for the hacker handle “Dort,” a name that was invoked frequently throughout these Discord chats.

Dort’s profile on resi dot to.

This “Dort” nickname came up in KrebsOnSecurity’s recent conversations with “Forky,” a Brazilian man who acknowledged being involved in the marketing of the Aisuru botnet at its inception in late 2024. But Forky vehemently denied having anything to do with a series of massive and record-smashing DDoS attacks in the latter half of 2025 that were blamed on Aisuru, saying the botnet by that point had been taken over by rivals.

Forky asserts that Dort is a resident of Canada and one of at least two individuals currently in control of the Aisuru/Kimwolf botnet. The other individual Forky named as an Aisuru/Kimwolf botmaster goes by the nickname “Snow.”

On January 2 — just hours after our story on Kimwolf was published — the historical chat records on resi[.]to were erased without warning and replaced by a profanity-laced message for Synthient’s founder. Minutes after that, the entire server disappeared.

Later that same day, several of the more active members of the now-defunct resi[.]to Discord server moved to a Telegram channel where they posted Brundage’s personal information, and generally complained about being unable to find reliable “bulletproof” hosting for their botnet.

Hilariously, a user by the name “Richard Remington” briefly appeared in the group’s Telegram server to post a crude “Happy New Year” sketch that claims Dort and Snow are now in control of 3.5 million devices infected by Aisuru and/or Kimwolf. Richard Remington’s Telegram account has since been deleted, but it previously stated its owner operates a website that caters to DDoS-for-hire or “stresser” services seeking to test their firepower.

BYTECONNECT, PLAINPROXIES, AND 3XK TECH

Reports from both Synthient and XLab found that Kimwolf was used to deploy programs that turned infected systems into Internet traffic relays for multiple residential proxy services. Among those was a component that installed a software development kit (SDK) called ByteConnect, which is distributed by a provider known as Plainproxies.

ByteConnect says it specializes in “monetizing apps ethically and free,” while Plainproxies advertises the ability to provide content scraping companies with “unlimited” proxy pools. However, Synthient said that upon connecting to ByteConnect’s SDK they instead observed a mass influx of credential-stuffing attacks targeting email servers and popular online websites.

A search on LinkedIn finds the CEO of Plainproxies is Friedrich Kraft, whose resume says he is co-founder of ByteConnect Ltd. Public Internet routing records show Mr. Kraft also operates a hosting firm in Germany called 3XK Tech GmbH. Mr. Kraft did not respond to repeated requests for an interview.

In July 2025, Cloudflare reported that 3XK Tech (a.k.a. Drei-K-Tech) had become the Internet’s largest source of application-layer DDoS attacks. In November 2025, the security firm GreyNoise Intelligence found that Internet addresses on 3XK Tech were responsible for roughly three-quarters of the Internet scanning being done at the time for a newly discovered and critical vulnerability in security products made by Palo Alto Networks.

Source: Cloudflare’s Q2 2025 DDoS threat report.

LinkedIn has a profile for another Plainproxies employee, Julia Levi, who is listed as co-founder of ByteConnect. Ms. Levi did not respond to requests for comment. Her resume says she previously worked for two major proxy providers: Netnut Proxy Network, and Bright Data.

Synthient likewise said Plainproxies ignored their outreach, noting that the Byteconnect SDK continues to remain active on devices compromised by Kimwolf.

A post from the LinkedIn page of Plainproxies Chief Revenue Officer Julia Levi, explaining how the residential proxy business works.

MASKIFY

Synthient’s January 2 report said another proxy provider heavily involved in the sale of Kimwolf proxies was Maskify, which currently advertises on multiple cybercrime forums that it has more than six million residential Internet addresses for rent.

Maskify prices its service at a rate of 30 cents per gigabyte of data relayed through their proxies. According to Synthient, that price range is insanely low and is far cheaper than any other proxy provider in business today.

“Synthient’s Research Team received screenshots from other proxy providers showing key Kimwolf actors attempting to offload proxy bandwidth in exchange for upfront cash,” the Synthient report noted. “This approach likely helped fuel early development, with associated members spending earnings on infrastructure and outsourced development tasks. Please note that resellers know precisely what they are selling; proxies at these prices are not ethically sourced.”

Maskify did not respond to requests for comment.

The Maskify website. Image: Synthient.

BOTMASTERS LASH OUT

Hours after our first Kimwolf story was published last week, the resi[.]to Discord server vanished, Synthient’s website was hit with a DDoS attack, and the Kimwolf botmasters took to doxing Brundage via their botnet.

The harassing messages appeared as text records uploaded to the Ethereum Name Service (ENS), a distributed system for supporting smart contracts deployed on the Ethereum blockchain. As documented by XLab, in mid-December the Kimwolf operators upgraded their infrastructure and began using ENS to better withstand the near-constant takedown efforts targeting the botnet’s control servers.

An ENS record used by the Kimwolf operators taunts security firms trying to take down the botnet’s control servers. Image: XLab.

By telling infected systems to seek out the Kimwolf control servers via ENS, even if the servers that the botmasters use to control the botnet are taken down the attacker only needs to update the ENS text record to reflect the new Internet address of the control server, and the infected devices will immediately know where to look for further instructions.

“This channel itself relies on the decentralized nature of blockchain, unregulated by Ethereum or other blockchain operators, and cannot be blocked,” XLab wrote.

The text records included in Kimwolf’s ENS instructions can also feature short messages, such as those that carried Brundage’s personal information. Other ENS text records associated with Kimwolf offered some sage advice: “If flagged, we encourage the TV box to be destroyed.”

An ENS record tied to the Kimwolf botnet advises, “If flagged, we encourage the TV box to be destroyed.”

Both Synthient and XLabs say Kimwolf targets a vast number of Android TV streaming box models, all of which have zero security protections, and many of which ship with proxy malware built in. Generally speaking, if you can send a data packet to one of these devices you can also seize administrative control over it.

If you own a TV box that matches one of these model names and/or numbers, please just rip it out of your network. If you encounter one of these devices on the network of a family member or friend, send them a link to this story (or to our January 2 story on Kimwolf) and explain that it’s not worth the potential hassle and harm created by keeping them plugged in.

SMS Phishers Pivot to Points, Taxes, Fake Retailers

China-based phishing groups blamed for non-stop scam SMS messages about a supposed wayward package or unpaid toll fee are promoting a new offering, just in time for the holiday shopping season: Phishing kits for mass-creating fake but convincing e-commerce websites that convert customer payment card data into mobile wallets from Apple and Google. Experts say these same phishing groups also are now using SMS lures that promise unclaimed tax refunds and mobile rewards points.

Over the past week, thousands of domain names were registered for scam websites that purport to offer T-Mobile customers the opportunity to claim a large number of rewards points. The phishing domains are being promoted by scam messages sent via Apple’s iMessage service or the functionally equivalent RCS messaging service built into Google phones.

An instant message spoofing T-Mobile says the recipient is eligible to claim thousands of rewards points.

The website scanning service urlscan.io shows thousands of these phishing domains have been deployed in just the past few days alone. The phishing websites will only load if the recipient visits with a mobile device, and they ask for the visitor’s name, address, phone number and payment card data to claim the points.

A phishing website registered this week that spoofs T-Mobile.

If card data is submitted, the site will then prompt the user to share a one-time code sent via SMS by their financial institution. In reality, the bank is sending the code because the fraudsters have just attempted to enroll the victim’s phished card details in a mobile wallet from Apple or Google. If the victim also provides that one-time code, the phishers can then link the victim’s card to a mobile device that they physically control.

Pivoting off these T-Mobile phishing domains in urlscan.io reveals a similar scam targeting AT&T customers:

An SMS phishing or “smishing” website targeting AT&T users.

Ford Merrill works in security research at SecAlliance, a CSIS Security Group company. Merrill said multiple China-based cybercriminal groups that sell phishing-as-a-service platforms have been using the mobile points lure for some time, but the scam has only recently been pointed at consumers in the United States.

“These points redemption schemes have not been very popular in the U.S., but have been in other geographies like EU and Asia for a while now,” Merrill said.

A review of other domains flagged by urlscan.io as tied to this Chinese SMS phishing syndicate shows they are also spoofing U.S. state tax authorities, telling recipients they have an unclaimed tax refund. Again, the goal is to phish the user’s payment card information and one-time code.

A text message that spoofs the District of Columbia’s Office of Tax and Revenue.

CAVEAT EMPTOR

Many SMS phishing or “smishing” domains are quickly flagged by browser makers as malicious. But Merrill said one burgeoning area of growth for these phishing kits — fake e-commerce shops — can be far harder to spot because they do not call attention to themselves by spamming the entire world.

Merrill said the same Chinese phishing kits used to blast out package redelivery message scams are equipped with modules that make it simple to quickly deploy a fleet of fake but convincing e-commerce storefronts. Those phony stores are typically advertised on Google and Facebook, and consumers usually end up at them by searching online for deals on specific products.

A machine-translated screenshot of an ad from a China-based phishing group promoting their fake e-commerce shop templates.

With these fake e-commerce stores, the customer is supplying their payment card and personal information as part of the normal check-out process, which is then punctuated by a request for a one-time code sent by your financial institution. The fake shopping site claims the code is required by the user’s bank to verify the transaction, but it is sent to the user because the scammers immediately attempt to enroll the supplied card data in a mobile wallet.

According to Merrill, it is only during the check-out process that these fake shops will fetch the malicious code that gives them away as fraudulent, which tends to make it difficult to locate these stores simply by mass-scanning the web. Also, most customers who pay for products through these sites don’t realize they’ve been snookered until weeks later when the purchased item fails to arrive.

“The fake e-commerce sites are tough because a lot of them can fly under the radar,” Merrill said. “They can go months without being shut down, they’re hard to discover, and they generally don’t get flagged by safe browsing tools.”

Happily, reporting these SMS phishing lures and websites is one of the fastest ways to get them properly identified and shut down. Raymond Dijkxhoorn is the CEO and a founding member of SURBL, a widely-used blocklist that flags domains and IP addresses known to be used in unsolicited messages, phishing and malware distribution. SURBL has created a website called smishreport.com that asks users to forward a screenshot of any smishing message(s) received.

“If [a domain is] unlisted, we can find and add the new pattern and kill the rest” of the matching domains, Dijkxhoorn said. “Just make a screenshot and upload. The tool does the rest.”

The SMS phishing reporting site smishreport.com.

Merrill said the last few weeks of the calendar year typically see a big uptick in smishing — particularly package redelivery schemes that spoof the U.S. Postal Service or commercial shipping companies.

“Every holiday season there is an explosion in smishing activity,” he said. “Everyone is in a bigger hurry, frantically shopping online, paying less attention than they should, and they’re just in a better mindset to get phished.”

SHOP ONLINE LIKE A SECURITY PRO

As we can see, adopting a shopping strategy of simply buying from the online merchant with the lowest advertised prices can be a bit like playing Russian Roulette with your wallet. Even people who shop mainly at big-name online stores can get scammed if they’re not wary of too-good-to-be-true offers (think third-party sellers on these platforms).

If you don’t know much about the online merchant that has the item you wish to buy, take a few minutes to investigate its reputation. If you’re buying from an online store that is brand new, the risk that you will get scammed increases significantly. How do you know the lifespan of a site selling that must-have gadget at the lowest price? One easy way to get a quick idea is to run a basic WHOIS search on the site’s domain name. The more recent the site’s “created” date, the more likely it is a phantom store.

If you receive a message warning about a problem with an order or shipment, visit the e-commerce or shipping site directly, and avoid clicking on links or attachments — particularly missives that warn of some dire consequences unless you act quickly. Phishers and malware purveyors typically seize upon some kind of emergency to create a false alarm that often causes recipients to temporarily let their guard down.

But it’s not just outright scammers who can trip up your holiday shopping: Often times, items that are advertised at steeper discounts than other online stores make up for it by charging way more than normal for shipping and handling.

So be careful what you agree to: Check to make sure you know how long the item will take to be shipped, and that you understand the store’s return policies. Also, keep an eye out for hidden surcharges, and be wary of blithely clicking “ok” during the checkout process.

Most importantly, keep a close eye on your monthly statements. If I were a fraudster, I’d most definitely wait until the holidays to cram through a bunch of unauthorized charges on stolen cards, so that the bogus purchases would get buried amid a flurry of other legitimate transactions. That’s why it’s key to closely review your credit card bill and to quickly dispute any charges you didn’t authorize.

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