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Credit Card and Counselling >>
How to protect your credit card
We need to be very careful with important items like a credit card and
cannot afford to loose it.Careless handling of plastic cards can place
you under severe trouble. They need to be preserved with care and here
are some useful tips to preserve them.
Here are some important suggestions and advice. You need to know exactly
where you preserve your cards and whether it is a secured place to preserve
them. Keeping your Personal Identification Number (PIN), a secret, is
a must remember security rule. This includes 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.
- 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.
- 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 FCBA and EFTA the card issuer
should investigate mistakes reported to them within a span of 60 days from 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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