Tuesday, September 8, 2015

Protecting Your Credit Cards

The program for our Quay County Extension Association this month is on protecting your credit cards.  While reading about identity theft I learned several tips that everyone should do to make it more difficult for someone to steal your information.

Here are 10 Ways to Protect Your Credit Cards as you use them:

  1.  Never leave your cards unattended at work. There are more credit card thefts in the workplace than in any other single location.   
  2. If your credit card is programmed to access an Automated Teller Machine (ATM), protect your Personal Identification Number (PIN) or security code. Don't write it down, memorize it.  
  3. Don't leave your credit cards in your vehicle. A very high proportion of credit cards are stolen from motor vehicles.
  4. Always check your card when returned to you after a purchase. Make sure it is your card.  
  5. When traveling, carry your cards with you or make sure they are in a secure location.  Only take one or two with you on the trip.  Leave the other locked up in a safe location. 
  6. Report lost or stolen cards immediately. Most fraudulent use of cards takes place within days of their being lost or stolen.  Make a list of all your cards and their numbers. This key information is helpful when reporting lost or stolen cards.
  7. Sign the back of a new card as soon you get it. Destroy unwanted cards so no one else can use them. 
  8. Always check your monthly statement. Make sure the charges are yours. Report them to your card company if the entry is not yours.
  9. Never give your card number over the phone unless you are dealing with a reputable company. The only time you should give it is when you have called to place an order
  10. Store your RFID-enabled cards in a foil lined pouch to protect from cloning.

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