lock on top of credit card
Safely store your debit/credit cards when they are not in use. Always memorize your card PINS. Never write them down on the card or share them with other people. Change them frequently. Make a list of your card account numbers, expiration dates, and customer service telephone numbers. Keep the list in a secure place that you can access quickly if your cards get lost or stolen. Check your card activity and bank accounts regularly. Look for unfamiliar charges and report them immediately.
Stay aware of current scams. Watch or read the news. Before giving personal information to anyone, know with whom you are dealing.
Never reply to emails or return telephone calls asking for personal information. Never send money or account information in reply to notices
that you have won a prize or the lottery. Don’t fall for pressure tactics. Be wary of “imposter” scams in which a scammer pretends to be
someone close to you. To report a scam or fraud, contact your local police department or the State Attorney General’s Office.
Reduce what you carry: before you leave, clean out your purse and/or wallet. Carry nothing with your Social Security number on it. Make note of which cards and documents you decide to take with you. Keep telephone numbers for these card and document suppliers separate from the cards in case they are lost or stolen and you need to contact the company. Avoid using public or shared computers. They could have information-stealing software on them. If you must use a public computer, do not enter any personal information or log into your online accounts. Avoid taking your checkbook. Checks show your name, address, bank name, checking account number, and checking account routing number. Thieves can use this information to take control of your account.
Federal law permits a consumer to get a free credit report annually from each of the three major credit reporting agencies. Cyber-security experts advise you to get a free report from a different agency every four months. To order a free credit report, go to www.annualcreditreport.com or call 1-877-322-8228.