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| Credit card problem. Image: news.com.au |
You definitely mind if you have problems with your credit card, especially if you become a victim of crime or fraud to your credit card.
Did you
ever suspect transactions on your credit card billing statement? If you suspect
your billing, then you should immediately report the problem to your credit
card issuing bank. Crime and fraud in the financial and banking world often
happens, though technology and credit card security is always improving. Please note: Problems in the use of credit cards can make you having financial problems.
Credit
card fraud is considered identity theft. The use of plastic cards is
increasingly important to our society, especially among professionals, but
unfortunately the threat of fraud is also increasingly prevalent. Even so,
credit card transactions continue to increase from year to year. Therefore,
prevention and awareness you need to improve to avoid becoming a victim of
fraud.
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| Credit card fraud. Image: nehandaradio.com |
You can
use some tips and solutions to secure your credit card from the threat of crime
and fraud, which is as mentioned below:
A. Do not do the following things:
1. Do not
lend your credit card to anyone. If it takes, do it for their payments, then
the money bill.
2. Do not
give your credit card information to strangers, unless you know they can be
trusted.
3. Do not
send personal information related to the use of credit cards via email.
4. Do not
respond to SMS or phone call from an unknown person asking credit card details.
If someone calls to ask for the 3 digit code on the back of your card, just
close the phone immediately. The culprit might be a con.
5. Never
leave your credit cards or receipts lying haphazardly. Although receipts are
not important in the eyes of people who are not interested, fraudsters can use
the information as simple as that to trap unsuspecting victims.
6. Do not
use public computers (such as in the cafe) to do any online transaction such as
shopping online.
B. You should do the following things:
1. Sign
the back of the credit card once you receive it.
2.
Memorize your PIN number, and make sure no one knows.
3. Keep
your credit card in your wallet or purse, so you can immediately aware of when
the card was suddenly gone.
4. Keep
the telephone number of your credit card issuer (e.g. your bank) in the contact
book so you can contact them as soon as possible after being robbed or lost
credit card.
5. Report
on your bank as soon as possible when you suspect something is wrong. You may
be paranoid about this.
6. Report on
your bank as soon as possible after you change your residence address.
7. Cut out
all the expired credit card.
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| Cut your credit cards now. Image: quizzle.com |
8. If
there are certain settings (e.g. auto-debit), keep copies of all communications
or records for future reference
9. Destroy
all transaction records before you throw it away. Or burn it.
10. Be
careful whenever you use a credit card transaction. Not to be missed by your
eyes. Take the card back as soon as possible after the transaction.
11.
Thieves can photograph your credit card in a few seconds, so do not ever leave
the card in the open for too long.
12. Check
all the details on the transaction receipt before you sign it.
13. Always
verify the number or value of transactions listed in the transaction receipt
before you sign it. Never sign a blank receipt.
14. When
you are shopping online, please read the privacy policy to ensure that your
personal information is kept confidential.
15. Check
your email after you do the transaction online shopping because online stores
usually send a confirmation or other communications about your order via email.
16. Save
all receipts and transaction confirmations online shopping transactions so that
you can compare it with the monthly bill when you receive the bill.
Specific advice for you:
You should
be wise in using credit cards. If you buy a product, it does not always have to
use a credit card especially if it is only for small transactions. Do not use a
credit card for cash withdrawals, unless very urgent. If you have a credit card
over two cards, then the third card, and so you pay off immediately, and report
it to the card-issuing bank to stop using credit cards, so you just have the
two credit cards only.
If you only have one or two credit cards, you will be protected from debt and high interest rates on your cards each late payment, especially if you withdraw cash using a credit card. Do not do withdraw cash (cash advance) at an ATM or at a bank office. Remember well, credit cards instead of debit cards, meaning that the maximum limit on your credit card is not your money, it belongs to the bank, then you use when it is very necessary, not to take cash or shopping without planning and preparedness funds to pay after your bill come. Of course you do not want to severe dizziness, can even make your stomach churning because of stress terrorized by a call from the bank, even pursued by the debt collectors. Oh no.
Be wise with your credit card.
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