Credit Card Safety

Keep your credit cards safe and secure.

• Sign your credit and debit cards as soon as you receive them. For greater security, write “Ask for ID” instead of your name on the back of your card.
• Don’t write your PIN on your cards, or store it in your wallet or purse near your cards.
• Keep an up-to-date list in a secure place with all of your card account numbers and expiration dates, as well as the contact phone number and address of the issuing financial institution.
• Open card statements promptly and make sure there are no fraudulent charges. Save your receipts so you can compare them with your monthly bills. If you find any charges that you don't recognize or have a receipt for, report them in writing to the credit issuer promptly.
• Carry only the cards that you use regularly. Secure the cards you rarely use in a safe place.
• Shield your card number so that others around you can’t copy or take a picture of it with a cell phone or a surveillance camera.
• Keep a watchful eye on your card every time you use it and make sure you get it back quickly. If possible, don’t let your card out of your sight.
• Never lend a card to anyone.
• Shred all card applications you receive in the mail and anything with your card number written on it.
• Never give your card information over the phone unless you initiated the call and you're sure the company is reputable.  Be suspicious of anyone who calls you to "verify information".
• When shopping online, never provide your card information on a website that is not secure. Check each time to make sure the URL address begins with https:// before you enter any information. Avoid scam websites by sticking to well-known sites and places you have successfully purchased from before.
• Before completing any purchases, make sure to read any “Terms and Conditions” provided. These documents govern the contractual relationship between the provider of a service and its user, clarifying the conditions of using the service. Checking a box or accepting the “Terms and Conditions” means you agree to any additional charges or changes the merchant makes related to your purchase.
• If you move, notify your card issuers in advance of your change of address.