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Ways to avoid credit card scams

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By: anonymous
on 4th May,2011

Credit card is a necessity of our lives.
Ways to avoid credit card scams.


Credit card is a necessity of our lives. As we use credit cards in our daily lives on a regular basis, it is very important to keep the credit card information safe. It is always at risk for theft. Here are few ways by which you'll be able to avoid credit card scams and keep it safe:

1. Keep credit cards at a safe place: It is very important to keep the credit cards at a safe place. You should keep it in a purse or wallet close to your body while traveling so that it cannot be snatched away. You should keep your purse or your handbag zipped where you've kept your credit cards. It is better to carry one or two credit and debit cards when you go out. Leave the other cards at home. When you're about to leave the shop, make sure that you have your credit card back in your possession.

2. Report stolen or lost credit cards right away: Credit card thefts are quite common. As a credit card owner, you will be responsible for reporting it to the credit card issuer asap. The sooner you report a missing credit card, the less likely it is that you'll have to pay for any charges made on your credit card. Write down your credit card companies' customer service number so that you can report the theft to them immediately.

3. Don't give out your credit card information: Credit card information is very personal. Make sure you don't give out information to anyone. You should only give out your credit card number on calls you initiate to customer service using the number on the back of your credit card. Don't give your credit card number to anyone who calls you requesting for the number. Many a times, scammers have posed as credit card issuers to trap consumers into giving out their credit card details.

4. Tear up anything that has your credit card number on it: It is better to treat your credit card billing statements rather than tossing them into the trash so that no one can get their hands on it. You can even put the torn pieces in different trash bags in order to prevent clever thieves from putting them together.

5. Remain secure with your credit card online: Avoid clicking on email links from anyone who pretends to be your bank or credit card company. These links can be scams which can trick you into entering your personal information on their fake website. You should enter your credit card number on secure websites of which you're absolutely sure of. In order to know whether or not a website is secure, look for a lock in the lower right corner of your browser.

6. Evaluate your billing statements each month: If you find unauthorized charges on your credit card, then it is the first indicator that you have been scammed. If you find any charge which you haven't made, then you should make sure that you report it to your card issuer immediately. The issuer is the best person to let you know whether or not you should close your account to avoid such scams.

7. Avoid signing blank receipts: You should always verify the amount on your credit card receipt before you sign on it. If you find blank spaces on the credit card receipt then you should write $0 in those spaces. If you don't do so, the cashier can write an amount and send the purchase to your credit card issuer.

These 7 ways will definitely help you in avoiding credit card scams! :-)

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