Keep yourself safe this holiday season by avoiding credit card scams

by , 28 November 2014

Everyone can fall victim to credit card scams. Knowing how to protect yourself and watching out for potential threats can make it much more difficult for scammers to take control of your credit card account.

Don't think that it can't happen to you. Because it can. And Christmas is that time of year when credit card fraud is at its peak.

Here are a few ways you can protect your credit cards from scammers.
 
1. Don’t carry your credit cards everywhere with you
 
To prevent your card from being stolen, carry your credit card with you only when you know you will use it. Otherwise, keep it out of your wallet.
 
2. Don’t use online banking in public places
 
You should never use online banking in cafes, bars, restaurants, or other public places with free wi-fi. When you’re using an open wireless network, hackers and scammers can easily intercept your card number and passwords and use them for fraud.
 
3. Look for skimming devices on the exterior of ATMs
 
Credit card thieves an attach skimming devices to the exterior of ATM terminals. Before entering your PIN number, make sure to check the ATM for possible skimmers and avoid making credit card transactions in bad neighborhoods.
 
4. Shred older credit card statements
 
You should shred all documents that have your credit card number.
 
5. Don’t click on or respond to phishing messages
 
Scammers will send you emails and text messages asking you to log into your credit card account or change your password. Do not fall into this trap! Be very wary of unsollicited emails and messages from your bank. Call the bank if you have any suspicions.
 
6. Don’t give out your credit card information
 
Never give out your credit card number or other personal information to unsollicited callers. Credit card scammers can claim to be card issuers or businesses to get access to your information.
 
7. Report stolen or lost credit cards immediately
 
If you realize that your card has been stolen or lost, report it immediately to the issuing company. The sooner you report the card missing, the higher your chances of avoiding fraud.

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