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Credit Card Fraud – How Can I Stay As Safe As Possible?

Created: 29 Oct 2012 • Updated: 18 Dec 2012
Jimmy Edge's picture
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Thieves and hackers across the globe are using more and more sophisticated techniques to carry out credit card fraud in the modern world.

In India, they are currently trialling a new ‘virtual card’ system which means that using an actual credit card to make future purchases online could become a thing of the past. This is in response to persistent and widespread fraud problems in the country.

We all probably consider ourselves to be quite savvy when it comes to staying safe while using our cards, but there are a few simple rules that we can follow to be as safe as possible. Some of them might be obvious, but a couple might change your thinking on the issue completely.

1. Be ultra-careful with your credit card information. This applies to using your card online as well as avoiding unnecessary Facebook/Twitter posts (it really does happen!) that reveal your details. It’s also a good idea to avoid discussing any personal credit card details while in conversation with someone, loose lips sink ships and all that. Looking out for SSL certificates for any websites you are using is also a smart move, as it indicates that the site is secure.

2. Shred the evidence. More and more people are realising that shredding old bills and any documents that have your details attached is a simple but effective idea. Opportunist thieves will not be afraid to rifle through your rubbish to find documents that can lead to fraud. However, shredding is a comprehensive way of disposing of anything like this.

3. Report problems as early as possible. The best thing to do if you even suspect that you’ve been the victim of fraud is to report it straight away. It may be the case that you have to pay for fraudulent charges that are made if you hesitate when you think there may be a problem.