Saving Yourself From Credit Card Fraud
Credit card theft is rapidly becoming one of the biggest ways that thieves steal funds from individuals
. If you are not careful, you could be subject to fraudulent charges on your card and account.
There are a number of ways that dishonest people are able to use your credit to make purchases. They find credit card information from your trash can.
There is a possibility that workers at the places you frequent may use your number to make purchases. Your card can also be stolen easily if left alone, and you may not even realize it until it is too late.
This type of theft can happen to anyone from any background with any credit limit. Those that steal numbers and cards are unaware of the type of money available on it.
All they care about is stealing enough funds to purchase items without getting caught before they are able to finalize the payment. You should be cautious whenever you allow others to use your credit card information.
Any retail business or company will run your card through a machine that reads your information and connects it directly to your account. These machines are very useful and beneficial when used correctly by a trustworthy person.
When you visit restaurants, it is a better choice to use cash to pay for your meal instead of credit. When you allow your waiter or waitress to take your card to the register, there is a possibility that they could copy the information or make false charges to your account.
It is even possible for workers at these types of establishments to take your card and replace it with a similar one, suspecting that you will not pay attention to the name and numbers written on it. Then, once they have yours in their possession, they are able to make purchases before you realize that the one in your wallet is a fake.
Another way to prevent yourself from having your numbers stolen is by refraining from purchasing online through untrustworthy websites. If you are able to completely avoid buying items online, then you should.
If you must make some purchases online, however, be sure to only do so through sites that are trustworthy and secure. Any legitimate ordering page should notify you of their confidentiality and security.
You should receive a message or pop-up or see an icon indicating the type of security software that they use to protect your information. If you do not notice any of this, refrain from acquiring products through that company.
Be wary of third party sites and companies that sell the goods you desire at greatly discounted prices. Most of these prices are too good to be true, and should not be trusted.
The government has done its best to regulate sites that are untrustworthy and use consumers' money unlawfully, but there are definitely still a good deal that slip through the cracks and are undetected. Use your best judgment when patronizing online sellers.
Many overcharge you and have hidden fees. They even send you the wrong products through the mail or charge your account without sending anything at all.
Also be careful of sellers that contact you through the use of your cell number and ask you important personal information. They may use excuses or claim they belong to companies or offices that they do not in order to receive the valuable information and use it to their benefit.
Guard your personal numbers like you would guard your identification or your social security card. These accounts have links to your telephone number, address, and other personal information that others can use to benefit themselves or find you with.
Make sure to properly rid yourself of papers containing valuable accounts and data. If you throw away statements, be sure to rip them up beforehand.
It is wise to invest in a paper shredder to properly dispose of all of your important and private documents. That way, anyone that chooses to go through you garbage can looking for papers and credit card information will not be able to make sense of the numbers or what is contained on the shredded paper.
Keep the shredder in your office, kitchen, or the area of your home that you store and go through your receipts, statements, or credit card mail. The best thing to do is to always be mindful of who you are giving your credit card info to and which type of system you are entering it into.
by: Terry Daniels
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