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We generally tend to understand the importance of a particular thing when we loose it. Perhaps it is true we learn from our mistakes but the greatest truth is that we seem to be careless about things which should be preserved with care. Debt consolidation care offers you tips on how to protect your cards. These are some, but obvious suggestions or advices, the best protections against card fraud are to know where your cards are at all times and to keep them secure. Keeping your Personal Identification Number (PIN), a secret, is a must remember security rule. This involves your ATM and debit cards. Do not forget to remember your PIN number. For Credit Cards, ATM Cards or Debit Cards: Be very careful about disclosing your account number over the phone unless you know you're dealing with a reputable financial company. Also never disclose your account number on the front of a postcard or an envelope. Always remember to draw a line through the blank spaces on a check or debit slips above the total so the amount cannot be tampered. Never sign any blank check or any debit slip. Destroy the unnecessary carbons and carbon copies. Also save your receipts to check against your monthly statements. Destroy the old cards by cutting through the account number before putting away. Just go and open monthly statements promptly and compare them with all your receipts. Report errors or discrepancies as soon as you see them to the special address listed on your statement for inquiries. Under the laws specifically under FCBA (credit cards) and the EFTA (ATM or debit cards), the card issuer are suppose to investigate mistakes reported to them within a span of 60 days of the date your statement was mailed to you. For ATM or debit cards: Don't carry your PIN number in your wallet or purse. Never write it on your ATM or debit card. The reason is very obvious; if a person gets your card he will also get your PIN number. This can create a big trouble. Never write your PIN anywhere whether it's on the front of a deposit slip or an envelope or other papers that could be easily lost or seen. Keep an eye on ATM or debit card transactions before you enter the PIN or before you sign the receipt. The accounts for this distinct part will be quickly transferred out of your checking or other deposit account. Remember to check your account activity periodically. This becomes more important if you bank online. |
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