However, using this little plastic card also has serious dangers. Other people can easily steal information from your account and use it for themselves. You might end up with a credit card lawsuit for bills and purchases that you did not even make. Here are a few tips to help avoid identity theft and keep your account safe and sound.
Don't give out info during phone calls
A common M.O. fraud artists use is to call up people and tell them that they represent a business, bank or financial institution, and that they need to get their credit card number for something very important. You should never give out your credit card number over a phone call unless you initiated it. Make sure that the person you are talking over the phone is someone you can trust.
Seek added security features
Try to sign up for a credit card with added features for security. For example, some cards require photo ID. This makes it harder for other people to use your card.
Keep your account details private
If you have to write down your PIN or account number, keep the piece of paper you are writing it down on. Never write the digits on the outer part of a letter or envelope. Never write it down somewhere other people can see it.
Always check your monthly statement
Your monthly statement shows every purchase you used your card on, helping you track down any swipes that may be unknown to you. If you notice something strange with your statement, contact your credit card provider right away and ask about it. Notify them about these charges and that you are positive that you did not make these purchases. You can always get your credit card account suspended or frozen.
Do not throw your receipts away
Receipts are important because they help you match up everything on the credit card statement. These are also very helpful when you are facing a credit card lawsuit. You can use these as legal documents that can help back up your case and reach an amicable settlement.
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