Credit card fraud costs billions of dollars each year in the United States. Consumers like you pay for the fraud through higher finance charges and annual fees. To protect yourself against credit card fraud, follow these tips:
- Sign your credit cards as soon as they arrive.
- Keep a list of your credit card numbers in a secure place. Include the expiration date, toll-free phone number and address of each card’s issuer. When you travel, carry a copy of the list in a safe place.
- Memorize your PIN number. Don’t keep your PIN with your credit card.
- Don’t give your credit card number to anyone who calls you on the phone who you don’t know.
- Never send your credit card number by email. If you’re shopping online, only provide your credit card number through a secure Web site.
- When you use your credit card at a store or restaurant, always get it back promptly. In public, try to shield your card from view to prevent someone from snapping a quick photo of it with a phone or other electronic device.
- Check your balance. Go online regularly, using your bank’s secure website or app, to check your account balance. Be on the lookout for errors, or charges you don’t recognize.
- Check your credit card receipts. Under North Carolina law the copy you get of any electronically printed credit card receipt should not include more than five digits of your credit card number. If you get a receipt that includes your entire credit card number, report it to the Attorney General’s Office at 1-877-5-NO-SCAM.
Source: NC Department of Justice