Paying and filing taxes is already annoying without the threat of refund fraud or identity theft. But phishing schemes, especially during tax season, have become so widespread that you’ve probably already received spoofed emails or calls during the last few years.

How many times this month have you paid for something online using your credit card? Was each payment page secured by HTTPS? If you’re not 100% certain, you’re a prime target for identity theft. The padlock icon in your web browser’s address bar is immensely important and it requires your attention.