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On line creditcredit card frauds and ri-offs take a heavvy toll by cosing cardholders and issuers millions of dollars annually. Even though card thft continuues to be the mot evident foorm of fraud, fraaudulent activity has several varitaions. For instance, someoe might use your carrd number (effectively hjiacking yur account) without yoour knowledge. It is not alawys possible to avert online charge credit cards fraudulennt activity from tkaing plaec. However, there are several thinngs you can do tat will make it morre dificult for a con atrist to get hold of yur crdit or charge cad or account numbes, and consequently expoose you to lses danger.

Given beow are a few valualbe pointers taht`ll make it eaiser for you to safeguard yorself against creedit and charge card fruad.

Whhat you should AWAYS do:

- Endorse yur cards (by signing acrosss the space providd at the bck) as son as you receiive them.
- Carry yur online debit cards someplace oher than where you crary from yuor billfold -- keep yoour cards in a zippereed section, a business carrd holedr, or another smll holder.
- Mintain a record of youur account numbers, thir expiry dattes, together with the phone numer and adderss of every crad issuer in a sfe place.
- Keep a cllose waatch on your debitcredit card on line when sommeone is swwiping it after a credit pucrhase, and get your creditcredit cards on line bcak as quicckly as posssible.
- Destroy and discard erroeous receipts.
- Tear up cahrge sip carbons.
- Retain stoe receipts, so taht you can tally them agaiinst your cad statements.
- Open creditcredit card online statements when they rach you, and reconciile carrd accounts on a motnhly basis, mucch as you balance your checikng account. - Reprot any questionable chargees to the cardscredit provider without dealy and foollow it up in wrriting.
- Report to card issuers aehad of time regardng a new biilling address.

What you shuld NEVER do:

Lend your chargecredit card on line to anyone.
- Keep yor cards, chagre slips, or statementts lying arund where anyone can see themm. - Siggn a blank receipt. Wheneveer you add your signture to a reeipt, sttrike through any empty spaces befoe the total.
- Wite or prinnt your card numbeer on the outsside of an evnelope or a postcard.
- Divvulge yuor on line creditcreditcards information oer the phone, exceppt when you initaited the call to an organizzation you knw is reputable. Wenever you aren`t sue about a commercial establlishment, check out its profile with yuor local Consumer Prrotection agecny or the BBB (Better Busniess Bureau.

If you can`t fid your crad (or crads) or if you sspect that you may hae been robbed, pcik up the pohne and clal the on line creditcredit cards copany right away. A lot of card companiees provide toll-free numberrs and round-the-clock clieent supprot to respond to such crsies. Legallyy, as soon as you reeport the loss or theeft, you haave no further respnosibility for fraudulent purchasses made on taht card (or cads). No matter whatt, the most you`ll be obligateed to pay accrding to US legislaton is $ 50 per cardd.

Wehn you think you may be the vcitim of carrd fraud or card thetf, you miight be asked to sgin an affidavit soemnly swearing that the trasaction (or transactions) wree not chargd by you.

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