The use of credit cards is getting more common day by day. Online shopping, ride-share applications, swiping your phone at the mart, and myriad other ways to digitally speed your transaction. And it has become more crucial than ever to protect the keystone of all this electronic commerce – your credit card.
Credit card scam has become one of the most prevalent forms of identity theft as hackers and other fraudsters steal this data to carry out transactions in your name. Robbery can happen in various ways, from low-tech dumpster diving to high-tech hacking. According to a few reports, a burglar might go through the garbage to find thrown-out billing reports and then use your account information to buy things.
A retail store or bank might get hacked, and your card number could be taken and shared. Perhaps a corrupt clerk or waiter takes a photo of your card ad uses your account to buy items or create another account.
Thus, to protect your credit card accounts from fraudsters and hackers, you need to take precautionary steps.
Protect Your Physical Card
Remember that regardless of all this automated use, a credit card is still a piece of plastic, and the first order of duty is to protect that card.
- Sign your card to take ownership and prevent someone else from outing their signature on your card.
- Consider a credit card with extra safety features like a photo ID. Card corporations also are working on biometric authentication, such as fingerprints. The microchips introduced on the USA card make counterfeiting more difficult. However, they don’t provide significantly more security because they are not combined with PINs.
- Please don’t show your card to anyone except merchants you trust, and don’t let anyone see it when you are out in public. Plus, never give your card to anybody.
- Contact credit repair companies to get complete detail of your card transaction if you notice anything suspicious.
- Carry only the card you need, especially if you are traveling. Please keep cards in a holder separate from your wallet for extra security.
- Please don’t keep your PIN anywhere near the card, and obviously, don’t write it on the card.
- Instantly report the loss or theft of the card to the issuer.
Protect Your Card Remotely
- Don’t give your number or other details over the phone unless you start the call.
- Don’t answer unsolicited emails, even if it appears to be from your bank or other reputable sources.
- Only use your credit card over a secure network. Don’t send your card information via email because this generally is not protected.
- Do not use debit cards for online shopping and transaction, but credit cards generally offer more protection.
- Be sure to log off after finishing a transaction.
- Keep your software, including browsers and virus protection, updated. Avoid any transactions over public Wi-Fi.
- Make your PINs as secure as possible by using letters, numbers, and symbols. Avoid birthdays, names, anniversaries, and obvious combinations. Change the password frequently and don’t use the same password for all accounts.
Protect Your Account Details
- Print out all receipts of online transactions and save them to your desk. In case of any missing entry or additional cost, get your credit account fixed by using credit repair services.
- Be sure to cross out any new lines on a paper before signing it.
- Check your account statements carefully against receipts.
- Keep the list of your credit card numbers, emergency contact numbers, and expiration dates separate from your cards.
Where To Find The Credit Repair Company?
If you are searching for credit repair services that can help fix your credit score. In that case, you may contact Gifted Tax Services for credit repair, payroll services, and further supervision.