Tag Archive | “Credit card statements”

5 Precautions against Credit Card Identity theft

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All of us have heard about the warnings like never give out your personal information over the phone or Internet unless you are willing to let someone steal your identity. As we are passing through Christmas and new year season and during this time several emails strike our mailbox that have such instructions following which you can become a victim of identity theft.

All officially looking emails are not legitimate

Even if you have got emails branded with corporate logos, then don’t think that these are all legitimate ones as even the most officially-looking emails can also be a front for identity thieves who want to take away your credit card information. But sometimes you have to take few more precautions in order to protect your identity.

credit card theft

Here in this article I have given you some tips to keep you safe from identity theft.

1. You should Leave Your Credit Cards at Home

When you don’t need your credit cards, then it is better to leave them at home in a safe place along with your Social Security card and other important documents. Doing this not only that you will not be tempted to make impulse purchases, but it will also keep your finances secure in case if your wallet or purse is lost or stolen.

2. You should Keep Personal Details Private

Are you on social networks like MySpace and Facebook? If any such personal details like your full name and date of birth have been published by you, then thieves can use these details for getting more information about you.

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Managing Your Cards: Guide to Read Your Monthly Statements – Part 1

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I can describe Credit card statements as the ultimate math-class word problem. If there is one thing wrong and the bad mark will stay with you for a long time on your credit report.

For making it even more challenging, nearly every credit card posses a slightly different set of requirements and there is a little difference in your statement. So below I have explained all the different parts of card statements so that you may get some help to sort through the next bill and save a little money in the process:

a_Credit_card_statement_

Purchases/new Charges:

This is that part of the statement which contains the details of what you purchased and how much you borrowed. And this also that part of statement that you want to check first.

Here I am telling you a smart credit trick that you should remember and that is you should save all charge receipts for the month and then match them with the bill when it comes in. By doing this you make take immediate action if you’re double billed or charged for something you didn’t buy. If you encounter a problem, then immediately contact the credit card company by phone and also send them a letter.

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