The best protections against card fraud are to know where your cards are at all times and to keep them secure. For ATM card protection, it's important to keep your Personal Identification Number (PIN) a secret. Don't use your address, birth date, phone or social security number. Memorize the number. Statistics show that in one-third of ATM card frauds, cardholders wrote their PINS on their ATM cards or on slips of paper kept with their cards.
The following suggestions may help you protect your credit and ATM card accounts.
For Credit Cards:
\ Be cautious about disclosing your account number over the phone unless you know you are dealing with a reputable company.
\ Never put your account number on the outside of an envelope or on a postcard.
\ Draw a line through blank spaces on charge slips above the total so the amount cannot be changed.
\ Don't sign a blank charge slip.
\ Tear up carbons and save your receipts to check against your monthly billing statements.
\ Open billing statements promptly and compare them with your receipts. Report mistakes or discrepancies as soon as possible to the special address listed on your statement for "billing inquiries." Under the FCBA, the card issuer must investigate billing errors reported to them within 60 days of the date your statement was mailed to you.
\ Keep a record — in a safe place separate from your cards — of your account numbers, expiration dates, and the telephone numbers of each card issuer so you can report a loss quickly.
\ Carry only those cards that you anticipate you'll need.
For ATM cards:
\ Don't carry your PIN in your wallet or purse or write it on your ATM card.
\ Never write your PIN on the outside of a deposit slip, an envelope, or on a postcard.
\ Take your ATM receipt after completing a transaction.
\ Reconcile all ATM receipts with bank statements as soon as possible.
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