Credit Cards Informative - Part I: Preventing Identity Theft
VIRGINIA -- The other day I was checking my credit card statement online when I notice 3 unauthorized charges were made to my credit card. I immediately called my card company to notify of the fraud activities going on and the issue was resolved. I use this particular card for in-store purchases only and never online. I have a 2nd card for that. How did the thief got my card number? I accidentally drop this credit card, that I use for in-store purchases, at a store and I hadn't notice it missing until the store called me the next day that they had found my credit card. I picked up my credit card and thanked the store clerk for returning my card. Being a cautious person, I immediately went online to check for any suspicious activity and there were none. Then several days later, there were fraud activies going on and I immediately contacted the card compnay about the fraud. The thief must have found the lost card, then copied down the credit card number and returned it to the store customer service, hoping that the cardholder will not report it lost or stolen.
So if you're making in-store purchases and to prevent identity theft if the card is lost and stolen, heres some advice:
● Completely scratch out the card numbers on the front and back so that if the card is lost or stolen the thief cannot copy the numbers. What is the use of the numbers when you just swipe the card at merchants? (Please make a copy of the card before you scratch out the numbers!)
● Just keep one credit card in your wallet or purse. Other cards should be at home for backup.
● Make a habit of checking credit card statements online every week to find any suspicious activity on the card.
Please feel free to add tips or advice to other readers.