Guarding Against Fraud

Here are some tips to help protect yourself from credit and charge card fraud.

Do:

• Sign your cards as soon as they arrive.

• Carry your cards separately from your wallet, in a zippered compartment, a business card
holder, or another small pouch.

• Keep a record of your account numbers, their expiration dates, and the phone number and
address of each company in a secure place.

• Keep an eye on your card during the transaction, and get it back as quickly as possible.

• Void incorrect receipts.

• Destroy carbons.

• Save receipts to compare with billing statements.

• Open bills promptly and reconcile accounts monthly,
just as you would your checking account.

• Report any questionable charges promptly and in writing to the card issuer.

• Notify card companies in advance of a change in address.
Don’t:

• Lend your card(s) to anyone.

• Leave cards or receipts lying around.

• Sign a blank receipt. When you sign a receipt, draw a line through any blank spaces above
the total.

• Write your account number on a postcard or the outside of an envelope.

• Give out your account number over the phone unless you’re making the call to a company
you know is reputable. If you have questions about a company, check it out with
your local consumer protection office or Better Business Bureau.


Reporting Losses And Fraud

If you lose your credit or charge cards or if you realize they’ve been lost or stolen, immediately
call the issuer(s). Many companies have tollfree numbers and 24-hour service to deal with
such emergencies. By law, once you report the loss or theft, you have no further responsibility
for unauthorized charges. In any event, your maximum liability under federal law is $50 per
card.  

If you suspect fraud, you may be asked to sign a statement under oath that you did not make
the purchase(s) in question.
What can you do about identity theft? There are three basic steps
to take to confront identity theft.


1.  Make sure access to legal counsel is readily available.

A Pre-Paid Legal membership provides affordable access to an attorney, and along with an
Identity Theft ShieldSM plan, can help protect your most valuable, yet most vulnerable,
information.

2.  Monitor credit activity on a regular basis.

An Identity Theft ShieldSM protection plan provides continuous credit monitoring by Kroll
Background America, the world’s leading risk-consulting company.


3.  Have a plan for identity restoration.

Kroll Background America experts are on your side and work to restore your personal
information if identity theft strike.

Click here to find out more about how to protect your identity:  Click here
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