Owning a credit card – and a line of credit can be useful. But it also means that you have the added responsibility to protect it. Protect your “plastic” is not just about protecting it physically; it includes the security of your credit or debit card.
Do not leave unattended your cards
Do not leave “plastics” in the office, and never leave unattended your debit cards in retail or restaurant. Make sure your “plastics” and other cards to access the credit line are safe and easy for others.
Many people make the common mistake of allowing agents to keep their credit cards in areas beyond their eyes. This is not normal. You can always complain and ask the shop attendant to treat or to read the map where you can watch the procedure. This will avoid any possible misuse of your “plastic”.
Never leave your credit cards and debit cards in your car. Surprisingly, a significant number of incidents of theft of “plastic” is stolen car. If you leave the card in the glove compartment of the car is never a good idea.
Do not throw away old cards
When replacing old with new credit cards, find that old cards can be used for fraudulent use of credit line. Destroy the old cards and make sure that important information can be retrieved when you throw away.
You should never throw any material that contains information about your credit card and your credit limit. This includes your full name, address, date of birth, and basically all the details on your credit account. Your “plastic” number will be kept private. Never give it to the phone if you are unsure if the person you are talking about are credible. Generally, banks do not call you to ask for your credit or debit card information. Bank officials should have access to this information.
Receive electronic statements
Today you can get your statements online via e-mail. Not only is it convenient and practical option – because you always get the card bill on time, is also environmentally friendly because it saves paper. E-statement is also a safer option, because thieves can not steal your online advertising – as long as your computer is equipped with the latest anti-virus and anti-spyware programs.
This is the report lost or stolen credit card
If you lose your credit card, please report it immediately. Tell the bank so they can temporarily stop the line of credit until the cards are lost, and switch off.
If you prefer a physical report of your credit card, make sure your mailbox is locked. It is a good guarantee that your credit card information remains private. Before the Internet era, the mailbox thieves and scrounge garbage cans to collect information that could lead to theft of credit card.
Be careful when using credit cards and debit cards online
The Internet can be a dangerous place. You must ensure that you only have to send or post the details of your cards to trusted web sites and online stores.
The problem here is twofold. First, you can find a fraudulent Web site that intend to purchase online a credit card or debit users without their knowledge. These stores may also have lax security measures voluntarily. You can get the items you’ve bought from them, but that does not mean your “plastic”, debit card is secured against possible card systems.
It is also the theme of pirates. Hackers steal information from online stores and card data and the illegal use of credit online. These thieves are not connected to bank online, while this case is still somewhat because of the store. The store should have better security measures to prevent hackers and other similar programs.
Remember that the flight does not start, criminals can use subtle ways to steal your “plastic” or at least information. Fraudsters use various ways to get your information to send you some links that may seem a link to your bank, at first sight or emails that ask you to send your personal information. It is important to be alert, especially when it comes to information on your credit card.
If you check your statements regularly
One easy step that can help you determine if your credit card has been “stolen” or used by third parties without your permission. You have to watch for any charges you do not remember how or changes in credit rating does not reflect the performance of credit risk you’ve had since the last time you checked your report.
Do not ask your bank
Ask your bank about your “plastics”, gold, platinum, or the policy of the card. What should you do if your cards stolen? What is the appropriate course of action if someone uses your credit line? When the card theft that happens, you are given the right to have your credit report frozen and evaluated. The charges on your credit card – and other cards that have access to your credit line, which can be challenged may also be reimbursed. The cost of the debit card, however, cannot be returned.