Ten Ways to Protect Your Credit
Use the following ten ways to guard
your card and protect your account information:
1) Sign It. Ensure that you sign the back of your new credit card once you
2) PIN. Never write down your PIN number in a purse or wallet -- memorize
it or stash it in a safety deposit box or other safe area. Make sure your PIN number isn't
something obvious like a date of birth, address, or phone number.
3) Return It. Make sure merchants return you credit card after a
purchase. Don't be in a hurry or let other distractions keep you from getting your card
4) Watch It. Never leave your credit cards unattended or in visible sight
of others. Remember, they are the same as cash.
5) Be Wary. Never give your account number over the phone unless you've
validated the company or individual you're speaking with.
6) Check Purchases. Always verify receipts from purchases and make sure
the right amount has been charged. Take all copies of receipts and carbons with you,
especially ATM transactions.
7) Trash It. Dispose of receipts and old credit card statements privately
not publicly. Use a personal shredder or other device to ensure your name and account
number are unreadable.
8) Report It. Contact your creditors immediately if your credit cards
have been stolen or lost.
9) Record It. Make a list of your credit card account numbers and
telephone numbers of creditors in case your cards are stolen or lost. Keep the list in a
10) Verify. Check your credit statement right away when it arrives.
Verify the amounts of purchases with sales receipts you've saved for the month. Report any
discrepancies to your creditors immediately.
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