Identity theft has mushroomed into a national cause for concern. News stories concerning the many ways folks are being exploited by identity theft are rife. Recovering financial damages caused by ID theft could be costly and extremely time-consuming. There`re a number of practical things you can do to minimize the likelihood of being victimized by this form of cyber crime. Given below are just some of these safety measures that you may wish to share with your cardholders:
• Don`t ever mail your credit cards payment checks and your other bills by clipping outgoing mail to your mailbox. Place them in the familiar blue U.S mailbox. Imagine the loads of valuable particulars an identity thief could gather from your check and payment slip.
• Do not write down your personal identification number (PIN) on your charge cards.
• Use a shredder to destroy (instead of merely discarding) preapproved online creditcards applications along with other personal documents, such as paycheck stubs, before junking them. If you do apply, do so only by using an official US Postal mail box.
• Don`t ever get taken in by an E-mail or a `phone call requesting card numbers, credit cards online PIN numbers, passwords, your password recovery clue (such as your mom`s maiden name), etc. Financial institutions and plastic card providers have all this information on record and they do not send out e-mails or make calls asking for this kind of information. Fraudsters looking for such key info most probably will misuse it for some fraudulent activity.
• Cancel unused online credit card accounts and snip up cards for defunct or closed card accounts before discarding them.
• Avoid carrying creditcard online that you don`t really use or need in your wallet or purse.
• Whenever you aren`t going to be at home for more than 24 hours, instruct your post office to suspend delivery of your correspondence or request a close friend or neighbor to collect it for you.
• Go over bank plastic cards and additional account statements thoroughly to verify that there aren`t any fraudulent purchase transactions. In case you notice any such transactions, contact your bank or issuer at once.
• In case you don`t receive a bank, credit card, or any other statement when it`s due, get in touch with the bank or card company to make inquiries. If you`re informed that the billing address has been updated to an address that you did not authorize, inform the bank or card company that you`ve given no such authorization, request duplicates of all online credit cards statements that you haven`t got, and go through them with a fine-toothed comb for illegitimate card transactions.
• At periodic intervals, ask for your credit reports from the 3 primary credit reporting institutions. Look through them carefully for unauthorized gm credit card purchase transactions.
• Get a Xerox copy of the items you carry in your billfold or pocketbook (both sides of credit cards, licenses, identity cards, and the like -- everything except the money) and stow the copies in a secure location.
• Keep updated records of all these documents. If the worst happens and fraudsters do manage to steal your identity, good credit card online documentation will be very useful in your recovery efforts.
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