Protecting Yourself from Credit Card Fraud
Credit card fraud can leave you feeling helpless and angry. Protect yourself from this miserable problem by taking a few extra cautious steps. It is recommended to take your credit seriously, as it is indicative of what interest rates you will be given on any major purchases.
Make sure that you are being safe with all online purchases you make do not go to a site that looks like it might be a bit unsecured check to make sure all companies you give your info to are accredited. Review your credit card statements every month and your credit report at least once a year. Check both of these for any possible errors and make sure to resolve each one. Print all of your online receipts, and keep them for records.
Keep all restaurant receipts and make sure that you verify them on your statement; it is very easy for a waiter to change the tip amount you've given. Do not respond to emails or calls that ask for your credit card information, no company will ask you for your information in this manner.
Make sure your credit cards are signed, and try to invest in a paper shredder to get rid of important financial documents with personal information. This includes all pre-approved credit card applications you may receive, and any carbon copies you receive.
Make a list of all your credit cards and account numbers and their 800 numbers in case any cards are lost or stolen and if this does happen make sure to call within 24-48 hours as you will not be held responsible for the fraudulent charges if you call right away. If you suspect that you are a victim of credit card fraud cancel the card, identify the credit card company as soon as possible, you can file a report with the police department and place fraud alerts on the accounts.
Whatever you do, realize that credit card fraud could cause you some serious problems, so take necessary action to protect yourself.
Contributing National Payday Staff Writer
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