7 Tips to Avoid Credit Card Fraud
Credit card fraud is most certainly on the rise, especially when it comes to shopping online. Although it is becoming safer to enter your credit card on a secure server online, there are still some precautions you should take when giving your credit card number to anyone - whether in person or on a trusted site.
1. Use Common Sense
Keep an eye on your credit card every time you hand it out. Write down exactly what was purchased and where so that you have a record of exactly how much you are spending. This helps you to know if you were charged in excess of what you actually spent or if someone made unauthorized charges to your card.
2. Be Careful Whom You Give Your Card To
Do not give out your credit card number to anyone who called you unless you are sure who the company is. Legitimate companies do not call you and ask you for a credit card over the phone, especially if they are just calling to "verify" your identity.
3. Do Not Respond to Emails Asking for Information
A scam called "phishing" is on the rise, in which what looks like a legitimate email message comes in asking you to verify your credit card details via email. If it was a trusted company, they would refer you to their website and never ask for specific details.
4. Do Not Write Your PIN Number on Your Card
This includes not having it nearby in your wallet, in your car, or on your person. This will give the thieves plenty of opportunity to wipe out your credit card completely.
5. Use Your Shredder
If you no longer use a specific credit card, then do not leave it hanging around. There are many shredders now that are strong enough to shred plastic credit cards. Shredding also includes getting rid of any credit card applications that come in the mail, especially those with your personal details such as social security number, address, or employment information.
6. When Using Credit Cards in Public Places, Shield Numbers from Potential Cameras or People Behind You
Cell phone cameras are being used more and more to capture a picture of your credit card details, which is then later used for a personal shopping spree.
7. Always Sign Your Card and Include Instruction to "See Drivers License"
Although it may be a hassle to whip out your driver's license every time you use your credit card, it will save you a lot of trouble if someone else tries to use it.
Aside from these few tips to avoid credit card fraud, there is more that you can do to stay safe. Mostly it involves treating your credit cards like you would your cash. Only carry as many as you need, and hide the others in a lock box. Write down all your account numbers and expiration dates in a place others won't be able to find, and lastly, do not give out your credit card numbers to anyone that you do not fully trust.
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