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Identity theft has developed into a national concern. News reports concerning people becoming the victims of ID theft are rampant. For cardholders and retailers alike, dealing with the consequences of ID theft can be expensive and really time-consuming. There`re a few measures you can adopt to reduce the risk of having your identity stolen. Given below are but a few of these safety measures that you may wish to recommend to your clientele:
• Never send out your online chargecard payment checks and your other bills by leaving them in your home mailbox as outgoing mail. Only mail them by using an official U.S mailbox. Imagine all the details that could be gleaned the payment slip and your check.
• Never write down your PIN on your charge cards online. Instead, memorize it.
• Tear into the tiniest pieces or use a shredder before you trash preapproved online credit c applications together with other personal documentation, like payroll slips, before discarding them. In case you decide to send any applications, post them only from an official US Postal mail box.
• Never waste your time (and endanger your security) by responding to an email or `phone call (even if the sender or caller tells you he/she represents your bank or card company) requesting card-account numbers, online creditcreditcard personal identification numbers, passwords, mother`s maiden name, or any sensitive personal details. Financial institutions and
prepaid visa mastercards companies have all this information on record and don`t send you e-mails or phone calls asking for details that are intended to be kept secret. Unauthorized third parties seeking this information most probably will misuse it for some fraudulent activity.
• Cancel charge credit cards on line accounts that you never use and cut up cards for defunct or closed accounts before disposing of them.
• Don`t keep credit cards on line that you do not use regularly in your wallet or handbag.
• If you go on a trip or otherwise leave home for more than 24 hours, request the postal authorities to suspend delivery of your letters or request a close friend or neighbor to pick it up.
• Look at bank on line credit creditcards and additional account statements methodically to confirm that there are no unauthorized purchase transactions. In the event that you find any such transactions, get in touch with your card provider or bank without any delay.
• If you do not get a online securedcredit cards, bank, or any other statement when it`s due, get in touch with the card issuer or bank to find out what`s wrong. If you are told that the address on their billing records was changed to an address that you didn`t authorize, advise the issuer that the change-of-address notification didn`t come from you, ask for duplicates of all online debitcard statements that you did nor receive, and then go through them with a fine-toothed comb to spot fraudulent purchase transactions.
• At periodic intervals, ask for your credit reports from the three primary credit reporting institutions. Look through them methodically to note unauthorized secured card on line charges.
• Photocopy the items you carry in your pocketbook or wallet (both sides of online chargecreditcards, driver`s and other licenses, ID cards, and the like -- except for cash) and then stow the copies in a secure location.
• Maintain good records. In the event of your identity being stolen, updated debit credit card on line records will be very worthwhile in your recovery efforts.
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