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 Credit and Debt :  Protect Credit

Ten Ways

Protect Credit
Ten Ways to Protect Your Credit Card

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 receive it.

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 back immediately.

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 safe place.

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.


Credit and Debt Calculators:
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  Should I pay off debt or invest in savings?
  What will it take to pay off my balance?
  Should I consolidate my debts?
  How Much Am I Spending?

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