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Credit and Debit Card Fraud Credit card fraud is a wide-ranging term for theft and fraud committed using a credit card or any similar payment mechanism as a fraudulent source of funds in a transaction. The purpose may be to obtain goods without paying, or to obtain unauthorized funds from an account. Credit card fraud is also an adjunct to identity theft. Credit Card Fraud: One of the few frauds that is declining Don’t trust a site’s claims to be secure Don’t trust a site because it looks professional Check the company using search engines Be extra cautions with offshore companies Check and reconcile your bills immediately Keep a list of our accounts and cards Try not to let your cards out of your sight
Protect Yourself from Credit Card Fraud On the internet, browsers always show a padlock in the address bar when you are on a secure site. Never enter credit card information unless you see the padlock symbol. The address bar is where you enter the www address of the site you want. Sign your cards as soon as they arrive. Carry your cards separately from your wallet, in a zippered compartment, a business card holder, or another small pouch. Keep a record of your account numbers, their expiration dates, and the phone number and address of each company in a secure place. Keep an eye on your card during the transaction, and get it back as quickly as possible. Void incorrect receipts. Save receipts to compare with billing statements. Make sure your mail is protected with a locked mailbox or a mail slot that leaves the mail behind a locked door. Always collect your mail promptly. Stop mail when you are away. Open bills promptly and reconcile accounts monthly, just as you would your checking account. Report any questionable charges promptly and in writing to the card issuer. Notify card companies in advance of a change in address. Do not lend your card(s) to anyone. Do not leave cards or receipts lying around; file them in a locked drawer or shred before trashing them. Never sign a blank receipt. When you sign a receipt, draw a line through any blank spaces above the total. Do not write your account number on a postcard or the outside of an envelope. Never give out your account information over the phone unless you're making the call to a company you know is reputable, AND you initiated the phone call. If you have questions about a company, check it out with your local consumer protection office or Better Business Bureau. Shred credit card offers and use a scissors to cut unsolicited cards in to tiny pieces. Do not respond to emails that request your credit card information. Do not give your credit card information to anyone on the phone unless you are absolutely sure who you are talking to and you initiated the call. Open credit card bills promptly and make sure there are no bogus charges. Treat your credit card bill like your checking account -- reconcile it monthly. Save your receipts so you can compare them with your monthly bills. Check your credit ratings and get a credit report at least each year. This is free and easy.
Online Fraud
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