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Tips on avoiding credit card fraud
By David Pilley on February 4, 2011

https-(1).jpgLast year I got into some trouble with my debit card. I made a purchase online, and a couple days later I checked my online bank account and noticed more purchases of the same product. I got an overdraft fee, and money was transferred from my savings account to my checking account. I called my bank and had my card frozen, but the damage was already done. The fraudulent purchases cost me about $100, and I was only able to recover $60 of it. I got my new debit card a week later, and I certainly learned my lesson to keep that nightmare from ever happening again.
There are so many ways people can get your credit card information, so you need to know the actions you can take to prevent it. The first thing you need to do is sign the credit card. Every card has a line on the back, and you must sign it so you can validate in-person transactions. Do not write your PIN on the back of card, however. A PIN is a four-digit number used for extra security. It’s also a number you chose when creating your new account, so you need to be able to memorize it.

When you make purchases in person, you need to do this as quickly as possible. In most stores, there is a machine next to the register where you can make the purchase yourself, but if you have to hand over your card, never let it out of your sight. You also need to save your receipts so you can compare with the billing statement your creditor will give you each month. If you are going to throw away receipts or bills, never toss them in one piece. Rip them up or put them through a shredder so no one, not even the people on CSI can get your information.

If you are making online purchases, always make sure the website is secure. To determine this, simply look at the scheme name of the website’s address. (The scheme name is the very first part.) If it says “http,” it is not secured and can be seen by other users. For the website to be secure, it must begin with “https.” Along with the “https,” the site may also open with a prompt asking if you want to view the information delivered securely. Always click yes! I learned the hard way how a single missing letter could cost me…

The final tip might sound heartless, but you should never lend your credit card to anyone, not even your best friend in the whole wide world. Think about it. Would you give someone the keys to your house and have complete trust that nothing bad would happen? It’s your property, and you really can’t trust anyone else with it. Even if it is your best friend in the whole wide world who would never dare steal money from you, the card could still be accidentally misplaced. In the handling of a credit card, the only person you can really trust is you.
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