Increasingly more consumers are using plastic card when they need to buy goods or services. It’s so quick and simple to only have to swipe that little piece of plastic at the checkout. Nearly all the retail stores are urging customers to use their citibank platinum mastercard by using electronic payment systems. So, if you make out a check at the checkout counter, the retailer will merely scan your check and then give it back to you, as if you were paying with a card. The majority of purchasers would much rather charge their online credit card instead of wasting a check. This growing popularity of cards to buy just about anything is becoming extremely lucrative for those who are implicated in charge card theft. This discussion will give you information on the steps you can take to protect yourself from card theft.
The first and foremost thing to remember is: if your credit cards get lost or robbed, report it immediately. Call the creditcards online issuers and demand they cancel your cards at once. Such quick action may contain the damage that the card thief can do (which will probably include a massive spending spree that could clean you out). Make it a point to know where you`ve got your cards. Make it a habit to only carry the cards you`ll need to use whenever you step out of your home or when you plan on any shopping.
Be very wary of giving out your card account numbers during a phone call. The best precaution is to never do it when you`re on your cellphone, since someone might intercept your conversation by making use of everyday electronic gadgets. Never write your account numbers on the outside of an envelope or postcard. Under no circumstances should you sign your name on a blank credit or debit slip, and always strike out (by drawing a line across) any unfilled fields on the debit slip to make it impossible for anyone to alter the total amount.
Read your monthly card statements thoroughly to see if there`re any purchases that you did not make. Never throw away monthly statements without shredding them first. Always snip old credit cardss by running the scissors across the card numbers before throwing them away. Be equally careful with any receipts or charge slips that stores send you: shred them before you junk them.
Take note of where you are and who`s around when using your online creditcard or when you`re using an ATM to withdraw cash. Thieves are very sneaky, and could even make use of minicams to photograph your plastic while you`re in the act of swiping it. They can also be very devious about finding out your personal identification number (PIN) while you`re withdrawing cash at the ATM. Position yourself so that your body doesn`t allow the keypad to be visible. Conceal the account number by covering it with your hand, if that`s possible, when extracting it from your purse or billfold. Always remember to take your receipts with you. If you happen to notice someone closing in the distance with you when you`re using the ATM, drop what you`re doing and just walk away. In case you think someone is moving into your space while you`re waiting in line to check out your purchases, bring it to the notice of the manager of the store or supermarket. All this cautionary advice might seem like drastic steps, but better safe than sorry.
Never carry your card and your PIN number together. Ideally, memorize your PIN number, and, as an additional precaution, always have a firm grip on your handbag and hold it against your body. If you follow these safety measures, you can dramatically reduce the risk of your online creditcards getting nicked. It`s really your call when you want to defend yourself from plastic card thieves.
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