A dishonest employee makes an extra trail of credit or charge your card and use it to make personal charges.
You respond to a letter asking you to call a long distance number for a free trip or travel package bargain price. You say you have to join a travel club first and you ask for your account number so you can be billed. Capture! You do not make a fee added to your bill, and you never get your trip.
Credit and credit card fraud costs cardholders and publisher of hundreds of millions of dollars every year. While theft is the most obvious form of fraud, it can occur in other ways. For example, someone may use your card number without your knowledge.
It is not always possible to prevent credit or credit card fraud occurs. But there are some steps you can take to make it harder for criminals to capture your card or card numbers and minimize the possibility.
Keeping Fraud
Here are some tips to help protect you from credit and charge card fraud.
To do:
* Sign your cards as soon as they arrive.
* Carry your cards separately from your wallet, in a zippered compartment, business card holder, or another small pouch.
* Take note 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 soon as possible.
* Void reception is not true.
* Destroy carbon.
* Save receipts to compare with billing statements.
* Bills Open promptly and reconcile accounts monthly, just as you do your account.
* Report any questionable charges promptly and in writing to the card issuer.
* Notify card companies before the change of address.
No:
* Lend your card (s) to anyone.
* Leave cards or receipts lying around.
* Sign a blank receipt. When you sign a receipt, draw a line through blank spaces above the total.
* Write your account number on a postcard or the outside of the envelope.
* Give your account number over the phone unless you made the call to a company you know is reputable. If you have any questions about the company, check it out with your local consumer protection office or Better Business Bureau.
Reporting Losses and Fraud
If you lose your credit or charge cards or if you realize they have been lost or stolen, immediately contact the issuer (s). Many companies have toll-free numbers and 24-hour service to deal with such emergencies. By law, once you report the loss or theft, you have no further responsibility for unauthorized charges. In any case, your maximum liability under federal law is $ 50 per card.
If you suspect fraud, you may be required to sign a sworn statement that you do not make a purchase (s) concerned.
You respond to a letter asking you to call a long distance number for a free trip or travel package bargain price. You say you have to join a travel club first and you ask for your account number so you can be billed. Capture! You do not make a fee added to your bill, and you never get your trip.
Credit and credit card fraud costs cardholders and publisher of hundreds of millions of dollars every year. While theft is the most obvious form of fraud, it can occur in other ways. For example, someone may use your card number without your knowledge.
It is not always possible to prevent credit or credit card fraud occurs. But there are some steps you can take to make it harder for criminals to capture your card or card numbers and minimize the possibility.
Keeping Fraud
Here are some tips to help protect you from credit and charge card fraud.
To do:
* Sign your cards as soon as they arrive.
* Carry your cards separately from your wallet, in a zippered compartment, business card holder, or another small pouch.
* Take note 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 soon as possible.
* Void reception is not true.
* Destroy carbon.
* Save receipts to compare with billing statements.
* Bills Open promptly and reconcile accounts monthly, just as you do your account.
* Report any questionable charges promptly and in writing to the card issuer.
* Notify card companies before the change of address.
No:
* Lend your card (s) to anyone.
* Leave cards or receipts lying around.
* Sign a blank receipt. When you sign a receipt, draw a line through blank spaces above the total.
* Write your account number on a postcard or the outside of the envelope.
* Give your account number over the phone unless you made the call to a company you know is reputable. If you have any questions about the company, check it out with your local consumer protection office or Better Business Bureau.
Reporting Losses and Fraud
If you lose your credit or charge cards or if you realize they have been lost or stolen, immediately contact the issuer (s). Many companies have toll-free numbers and 24-hour service to deal with such emergencies. By law, once you report the loss or theft, you have no further responsibility for unauthorized charges. In any case, your maximum liability under federal law is $ 50 per card.
If you suspect fraud, you may be required to sign a sworn statement that you do not make a purchase (s) concerned.
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