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Basic Credit Card Protection
By Kelley Kilanski
Credit cards can be a wonderful financial tool when used responsibly and with caution.
There are many risks that go with credit cards besides the possibility of
surmounting debt. Some of these risks such as identity theft and
theft can be minimized if you take the time to follow some basic steps in
protecting your credit card.
Steps to Protect Your Credit Cards:
1. Sign your credit card immeditately
This protects you from having someone else use your credit card.
2. Activate your credit card
Activating your credit card is as simple as a phone call, and you may not be able to use your card until you make that call. This should be done after signing your card.
3. Write down credit card information and store in a safe place
When you get your credit card, write down the credit card number and any customer service telephone numbers. These should be kept in a safe place separate from your credit cards, like a floor safe. After thoroughly reading any documentation that came with your credit card, be sure to store this in a safe as well. You may need to refer back to this information.
4. Keep credit card information private
Do not give out your credit card number or expiration date over the phone unless you know who it is your doing business with. Giving out this information can lead to identity theft, which can be difficult to solve.
5. Keep credit card receipts
Your credit card receipts should be kept until the bill comes. They should be checked against the bill and any descrepancies should be noted and resolved immediately.
6. Do not lend your credit card to anyone
Your credit card is a financial tool that can be easily abused, and even more so if you lend it out to friends. Protect your credit and never lend your credit card to anyone for any reason.
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