You may be at risk for fraud this holiday season, particularly if you shop at the last minute....

“Procrastination is, quite frankly, one of the keys to success for crooks,” said Paul Fabara, chief risk officer at Visa.

“They assume that you’re going to fall for that last-minute offer that guarantees delivery of the product within 24 hours, or even the same day, at a discounted price,” Fabara said.