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Preventing Credit Card Fraud

It is impossible to completely prevent card fraud, but there are steps you can take to greatly reduce the chances. It will save you time and money in the future if you remain vigilant and protective of your card.

  • Avoid carrying credit cards you don't use and never leave them unattended in a purse, wallet or briefcase.
  • Never write down your PIN or tell anyone else - not even close friends or family! You can only be absolutely certain that your PIN won't be used by someone else if you are the only one who knows it.
  • Make sure your credit card is always visible to you, even when making payments in a shop or restaurant. Fraudsters sometimes "double swipe" credit cards - first through the till to process your normal transaction, then through a scanner that copies your details ready to make a "clone card"
  • Always make sure you get your credit card receipt because it just may include your credit card number. Never toss it in a public trash bin. You'll need that receipt later anyway to tally things up when your statement arrives. 
  • Always check your receipts to make sure you have not been overcharged by the retailer. Although the till displays the cost of the items you are purchasing, sometimes credit cards are processed through a different machine, requiring the retailer to re-type the transaction amount.
  • Report any problems right away. To insure your rights, follow-up by filing a written complaint form.
  • Shred all documents that might include your credit card number before disposing of them, including old slips, credit card statements and bills.
  • Never give your number over the phone to someone that you do not know. It's OK if you initiate the call, but if you get a call at home from anyone that you do not know by name do not give them your credit card number - even if they claim to be from a reputable company or a company you have dealt with in the past.
  • When purchasing online, try to use a credit card that gives you protection against Internet fraudsters. Always make sure the web site is secure when you order (look for the small padlock in your web browser) and only shop with websites you trust.
  • Try not to give credit card details over wireless devices (cell phones, wireless keyboards, bluetooth devices, wireless networks, and so on). Their broadcast range is much larger than you would expect and someone could easily "grab" the information out of thin air.
  • Never respond to an e-mail asking for your number, no matter how official or legitimate it looks.
  • If possible, apply for a Photo Credit card as an added security measure which could help your identity from being impersonated in Merchant establishments.