Monday, April 7, 2008

 

A Crash Course in College Credit Card Protection

As a college student, you have enough problems to worry about, like deciding whether to sign up for a 7 a.m. class, getting that research paper done on time and catching a ride home for the holidays. The last thing you want to worry about is credit card fraud.

But alas, credit card fraud is on the rise, and millions of people and companies are losing money left and right because criminals are illegally charging money onto YOUR card! So how can you protect your credit card? Just follow these easy steps:

Online Use

  • Keep a copy of an online receipt or confirmation in a safe place
  • Research the legitimacy of a company and see if they provide credit card fraud protection before buying anything from them
  • Delete any emails that may have your credit card information in them
  • Update your credit card information online if it is saved on certain sites

    • Phone

  • Keep copies of your phone bill (paper or electronic) in a safe place
  • Verify any calls asking for your credit information (Most legitimate companies won't ask for it on the phone)
  • Verify the price of a transaction if you did not hear it clearly

    • Paper

  • Keep copies of your receipts in a safe place
  • Make sure you read the receipt carefully before signing it
  • Read all credit card applications carefully (See if they offer credit card fraud protection)
  • Shred all credit card applications you receive if you aren't going to apply
  • Shred all credit card receipts before you throw them away
  • Open bills right away and make sure there are no bogus purchases

    • Here also a few more general tips about protecting your credit card:

  • Sign your credit cards as soon as they arrive
  • Never write your PIN number on your credit card
  • Keep your credit cards in a separate compartment in your wallet
  • Don't lend your credit card to anyone unless you completely trust them
  • Destroy any unused credit cards
  • Cancel a credit card immediately if it is lost or stolen

    • Along with following these easy steps, you can also learn about managing your credit. Then you can stop worrying about your credit card and start thinking about your future!

    http://www.studentfinancedomain.com


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    # posted by ujx @ 2:53 PM 0 comments

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