6 causes of credit cards misused

6 causes of credit cards misused




What are the different chicken thief and burglar credit card? The chicken thief may use the methods that it-that's it for a steal. While the credit card thief had many ways (and sophisticated anyway!) to steal your private data to later abuse it. However, it is basically the process of theft that happens when we are off guard, not look at what we have.

"People are increasingly busy and less concerned (with what belonged to him)," said Beverly Harzog, credit cards, consumer Advisor, and a contributor to CardRating.com. To avoid someone stealing your credit card information on Your account, avoid some mistakes here.

1. Let your credit card out of your attention
The process of skimming is usually occurs when you provide a credit card at the store clerk, and did not look at how the police treat your credit card. "Skimming occurs when someone is swiping a credit card through a device called a skimmer, which will record your credit card information and then menggandakannya into another card to be abused," explained John Ulzheimer, President of Consumer Education for SmartCredit.com.

Fuss, the process of skimming difficult prevented. The only way to prevent it is to observe your credit card during your stay in the hands of the cashier the store or restaurant. Don't leave your card on the table counters as you signed the purchase bon. The person behind you could just peep or take your credit card over the phone.

2. involuntarily provide data on "persons"
Maybe you do not provide your account number or password to other people. But, you can just so victims of phishing (phishing), a more sophisticated version of misuse (fraud). How, you may sign in to websites or emails as legal, created a scam artist to get the data yourself, according to Ulzheimer. Fraud can also occur when you enter the online stores that are in fact already defunct, and then utilized the person to cheat. Then you might receive an email that asks you to enter information to activate your account at a site.

If you receive such a message, do not click on links on offer or filling out the online form. You can call your credit card issuing bank to ask if there were parties who try to access your credit card account. If you suspect you have been a victim of phishing, ask the bank provide additional password protection or other security advice, Mitch Lipka, consumer Adviser and a columnist for The Boston Globe.

Read also: choose a secure Online payment system!

3. do not sign the back of your credit card
Usually the credit card holder is unwilling to sign an autograph for fear its credit card You emulate. "In fact, it is much more important when you protect your credit card from Your signature," stated Lipka. The signature will show that the credit card is indeed yours, when the cashier stores were trying to compare the spending bon You sign with a signature on a credit card. If Your credit card is not signed, and the card is held by others, certainly he is free shopping with incised tandatangannya own.

4. Dispose of the mail envelope he had not yet opened
There will always be people who open a crank mailing envelopes You and steal your data. The thieves of personal data the customer will also know your shopping patterns, so that he can make use of your credit card in a way that is not too flashy. Better, destroy first letters of such bills. "Destroy (letters) it's simple, and not much of a goon kok idly paste rips the paper one at a time," said Lipka.

5. Don't tell the credit card issuing bank when you move home
If your credit card bills are still sent to the home, the report on the bank if you've moved house. Thus, your billing address will be sent to your new address. It is included to the actual credit card has not been used during the last few years. You certainly can't expect new home owners who occupy your residence periods will return letters of the Bill to the post office, right? That is, he might instead just throw these letters into the trash. It would be better if you asked the bank sends the credit card bills via email. More practical, right?

6. not checking Your spending transaction
Credit report or spending transaction detail will certainly look at any credit card bills. However, we often only see the Bill amount and due date. In fact, who knows your personal data could be captured by someone else and he takes the opportunity to buy something. If you are not aware of such abuse and to report it, the credit card issuer bank certainly will not be memros
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