How to Avoid Credit Card Fraud and Protect Your Credit Card Information

How to Avoid Credit Card Fraud and Protect Your Credit Card Information

It is an undeniable fact that more and more people have credit cards than ever. With the help of credit cards, people could have more convenience when they visit supermarkets and stores. But they should always know that sometimes their credit cards are not so secure as they could assume. After all, various thieves are looking for their credit card information and attempt to get their money. It is in this situation that people should pay more attention to credit card fraud and know some basic skills to protect their credit card information.

Credit cards are always the targets for thieves to make identity theft. Once your identification is exposed to thieves, they could use them to make fake credit cards and get your money out from your bank. In the past, thieves prefer to steal your wallet, then they use it in purchasing luxury products as soon as possible. But at present, this kind of identification theft is not fashionable. As people prefer to use their credit cards when they go shopping online, thieves just need to find your 16 digits and ccv number. Once they get the information they want from your credit cards, then they can commit criminal behaviors. Therefore, it is necessary for you to improve your safeguarding consciousness. In this article, rather than discuss the evil deeds of thieves, I would like to give you some tips in avoiding credit card fraud.


Do Not Expose Your Credit Card Receipts and Statements

You should always remember that you should keep your credit card receipts and statements secretly. If you leave your credit card receipts and statements publicly, your personal information regarding to your credit cards will be found by others. If they want to get your money out from your bank, it is you who give them opportunities. Each month, when you receive your paper statement, you should destroy and throw them in the trash. It is easy to do, but it is always hard to do. But you should remember: it is always a good habit to keep your receipts and statements privately.

Avoid Online Scams

It is very popular for people to send and receive messages through internet. It is also popular for people to make online purchases with their credit cards. Every time, when people apply for something, they will leave their credit card number, home address and Social Security number for online purchases. It might be convenient for you to go shopping online, but it is also dangerous for you. Somebody even doesn’t recognize the peril.

According to my knowledge on credit card fraud, some retailers pretend to be legitimately, but all they want is your credit card number and home address. Once you submit your online application at their official site for creating your account, your personal information will be kept in their system. Some unscrupulous operators may use a mechanism, so far as I know, to send out an e-mail asking you to update personal information. In fact, they do not ask you to update your personal information. Rather, they just want to steal your credit card information. If you follow their instructions and they are successful in getting your personal information, you are just leaded to identity theft.

Watch Out Your Shoulder
You should always be cautious for your credit card information. Whenever you swipe your credit card at a retailer or ATM, you should make sure that nobody is eavesdropping. It is always essential for you to input your credit card number and personal identification number to offline retailer when you are going to make a purchase. If you choose to pay for your deal via cell phone, then you should be careful, because someone nearby can easily listen to your words and write down all your credit card information, while you know nothing about what happened on your credit cards.


Keep Credit Card Statement
Every month, credit card companies will send out your monthly credit card statement and you are going to receive them on time. If you haven’t received your credit card bill on time, you’d better contact your credit card issuer as soon as possible. In the United States, mails and emergent letters will be sent out on time and you are going to pick them up on time. If you can’t receive your monthly statement, it is highly possible that your billing address is changed. If so, you should be careful to your credit card information. Usually, if this happens on me, I will contact with my credit card company and ask it to frozen my credit card and issue a new credit card to me.

These are just my experiences of avoiding credit card fraud and protecting my credit card information. These tips are very helpful for me, therefore, I write them down here and hope they are helpful for you. It is easy to say, but hard to do. In order to protect your credit card information, you should be cautious to expose your personal information. The less frequency your credit cards are exposed publicly, the more safe your credit cards. But anyway, you should remember that you are responsible for protecting your credit card information. If you do not, you will lose your money someday. When you realize the significance of protecting your credit card information, then you can greatly enjoy the convenience it provides to you.