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Debit credit cards on line frauds and rip-offs exact a heavy price, costing card owners and issuers billions of dollars each year. Although theft continues to be the most evident kind of fraud, it can assume many forms. As an example, a fraudster might make use of your card number (effectively hijacking your account) without your even being aware of it. It isn`t always possible to deter securedcards on line fraudulent activity from happening. But there are several things you can do that`ll make it really hard for a criminal to get hold of your card or card-account numbers, and thereby mitigate the risk.

Given below are a number of guidelines to help you guard yourself against the theft of your credit or charge card.

What you should ALWAYS do:

- Sign your cards the minute they arrive.
- Carry your on line c cards in a different place than where you keep from your billfold -- carry your cards in a zippered compartment, a business card holder, or another small bag.
- Maintain a record of your account numbers, their expiration dates, as well as the contact information (such as phone numbers and street addresses) of every card provider in a secure place.
- Carefully watch your online secured credit card when it is being swiped during a purchase transaction, and take back your chargecredit card on line as soon as you can.
- Rip up erroneous charge slips.
- Rip up credit slip carbons.
- Retain charge slips, so that you can tally them against your card statements.
- Look at online debitcard bills promptly, and reconcile accounts every month, just as you would your checking account.
- If you suspect any unauthorized transactions, inform your on line debitcard issuer right away and follow it up in writing.
- Inform card issuers in advance of a change in billing address.

What you should NEVER do:

- Allow anyone else to use your secured credit cards.
- Leave cards or receipts lying around.
- Sign a blank receipt. When you sign a credit slip, use ink (not pencil) to cancel any unfilled spaces above the sum total.
- Write or print your account number on any form of correspondence that can be viewed by anyone other than the intended recipient (such as on a postcard or on an envelope).
- Give out your credit credit cards on line numbers in the course of a phone call, except when you`re making the call to an organization you`d vouch for. Whenever you`re unsure about any commercial establishment, run a quick background check on it with your district`s consumer protection office or Better Business Bureau (BBB).

If you can`t find your credit or charge cards or if you find out that you may have been robbed, don`t waste a moment - just pick up the phone and notify your charge card provider. A lot of companies offer toll-free numbers and 24/7 customer support to deal with these kinds of emergencies. Under federal law, as soon as you report the theft or loss to the card issuer, you`re no longer responsible for unauthorized charges. In any case, the most you`re liable to pay as per federal legislation is $50 per card.

In the event that you think you may be the victim of card fraud or card theft, you might be made to sign an affidavit solemnly swearing that you did not make the purchase in question.

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