In the long run keeping your credit card safe is your responsibility. Without a doubt, in a worst type of case situation, if it can be proven you might have been irresponsible in keeping your credit card safe and sound, you might find yourself liable for the price of all transactions made fraudulent on your account should you lose the card. To assist you prevent this, below are 5 fundamental credit card safety techniques:
In no way possess more cards than you really need
While it is always recommended you have more than one credit card, in case it gets lost, you should never possess more credit cards than you really want to use. The main reason why this is the case is simply because it becomes tougher to keep track of which cards you have got and where you have kept them.
At all times keep a photocopy of your credit cards
How often have you been asked what you credit card number is only to discover yourself looking for your card to find the number? At this moment, just what happens if you have a card stolen and no credit card statement in hand? You have a problem! This is why, it is usually best practice to take photocopies of your credit cards so that you always know where to find the number should anything at all unfortunate happen to your credit card.
Never fail to keep your receipts separate
Among the most important of the basic credit card safety tips you will receive is never to keep your credit cards and credit card purchase receipts in the same place – because for those who have lost your card, or if it’s stolen, then you’ll have lost or stolen receipts also. At this moment there is no way for you to attest which transactions were yours as well as which where not. The fact is, it’s impossible to tell which was the last real purchase you made. Furthermore, never keep track of your Pin number with your card, this is only asking for trouble!
Never ever give your account number to somebody you do not know
If you’re ever asked to give your credit card information to someone you do not know, or who as initiated a discussion with you (rather than the other way round) over the phone or by means of email, you should always refuse. Worst come to the worst, phone the card issuer and ask them if it is okay for you to divulge the info and phone the enquirer back again. If the enquirer seems reluctant to accept this, you must ask yourself precisely why!
For no reason leave your account details open to open public viewing
This may sound rather basic to say you shouldn’t let the public discover your credit card account specifics, yet ask yourself this question: “Exactly how often have you been given a publication membership form in postcard format?” At this time, suppose you complete this with your credit card details filled in. All of a sudden half the world has access to your credit card number, expiration date and personal signature!
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