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Avoiding Credit Card Traps
The next time you open your credit card statement, take a closer look at the small insert titled “changes to your credit card agreement”. You know the one I’m speaking about. It’s that small, folded paper written in legalese that you promise...
Bad Credit Repair
Building your credit after repeated interruptions is a constant
headache we all want to avoid. In this article I am going to
break it on down for you, since there are many sources that will
take full advantage of you when the opportunity arise....
How to find a mortgage with bad credit
Shopping online for mortgages ought to be trouble free, even should you have poor credit or no credit score. You can nonetheless find a bad credit lender that can facilitate you. The internet has expanded the international marketplace in a way never...
Managing Credit Cards Effectively
Credit cards are almost a necessity in today's society. It has become harder and harder to get through life without plastic. If you want to make purchases over the Internet, guarantee a hotel room, or perform a wide variety of other financial...
Why You Should Refinance Your Credit Card
Getting the Right Rate Can Save YOU Thousands
A credit card debt can be like the worst sort of trap. Like a wound that won’t heal, a monthly minimum payment – with ceaseless regularity and endless strain on your budget – leaves your account. ...
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Credit Card Security Advice
Which of the following is the biggest threat to your credit card security?
a) Shopping online with a credit card b) Shopping in a real store with your credit card c) Ordering something over the phone with your credit card
The answer may surprise you. It's b - shopping in a real store with a credit card. Despite all the controversy and publicity surrounding internet phishing and identity theft, shopping online is a relatively safe process. Credit card fraudsters are far more likely to get your credit card numbers and ID information by hacking into a bank or credit card company computer than they are to hack into an online store's server.
The truth is that there are some dangers to using credit cards in ANY situation - and there are ways to safeguard your information and security no matter where you shop with your credit card.
When shopping online…
·Only shop reputable sites. If a shopping web site has been around for a while, it's a pretty good bet that they're legitimate. ·Always type the name of a site into your browser address bar rather than clicking on a link in your email. That way you'll be sure that you're going to the company's actual site and not a fake mirror. ·Use an online money transfer service rather than your usual credit card. You can fund an account with a service like Paypal via your credit card
or bank account - but your information isn't freely available. When you pay via PayPal, the only information that the seller gets about you is your email address.
When shopping in a real store…
·Keep your eye on your credit card. Stores with the latest tech in credit card scanning won't ever even handle your card - you slide it in the scanner yourself and it never leaves your possession. In stores that aren't that hip yet, keep your eye on what's happening with your card, and ALWAYS take your credit card receipt. Until everyone is using the latest scanners and printers that only print out the last four digits of your credit card, discarded credit card receipts are the easiest way for thieves to get hold of your credit card numbers.
When shopping by phone…
·Never, ever, ever give your credit card numbers to someone who called you. No matter how good a deal sounds, insist on being given the time to confirm the identity and company of the person you're speaking with.
As you can see, for the most part, common sense is all it takes to keep your credit card information safe!
About the Author
Joseph Kenny is the webmaster of the credit card comparison sites http://www.credit-cards-info.com/ and also http://www.creditcards121.com/
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Credit Reports - Credit Cards - Car Loans - Home Loans - Credit.com |
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The FTC's web site on Credit |
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National Credit Union Administration - Home Page |
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Credit - Wikipedia, the free encyclopedia |
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Credit (finance) - Wikipedia, the free encyclopedia |
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The National Foundation for Credit Counseling |
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CUNA: The Credit Union National Association |
News and resource directory about credit unions. |
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Credit/Debt Management - Tools and Advice for Managing Credit and Debt |
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credit.about.com |
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