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Here’s How To Keep Your Credit Card Safe From Fraudulent Charges

[Thursday, August 31st, 2017]

If you’ve ever gotten a call from your credit card issuer asking you about an unfamiliar charge, you know the particular sense of dread that goes through you when you think your card may have been compromised.

Many people worry about credit card fraud, and with good reason: it’s common, and it’s a hassle when it happens to you. The good news is, there are lots of ways that credit card issuers are trying to curb fraud, and alert customers when it may have occurred. By taking advantage of these measures, you can keep yourself safe from having your card compromised, and take action quickly when it happens.

One new feature that some card offer is the ability to freeze your card remotely, via mobile app. If you lose your card or suspect it might have been stolen, you can open the app and freeze your card, which will keep it from being used for new charges. Once you find your card, you can just as easily unfreeze your card and continue to use it. Or, if it is stolen, you can cancel the card and contact the fraud department of your credit card issuer.

Common sense tips to stay secure

When using your card online, always make sure the website is a legitimate one, with up-to-date security features that keep your payment account data safe. It’s also a good idea to use a chip card, rather than a traditional magnetic stripe card. Chip cards, or EMV cards, use encrypted codes to send your payment information, keeping it more secure than older types of credit cards.

At a brick and mortar store or an ATM, be sure you’re keeping your card private and not letting anyone see your card who shouldn’t. Be wary of cameras that could be installed near an ATM; thieves often do this to capture you entering your PIN, while they have a skimmer installed on the actual ATM to record your card data.

If this happens and someone does try to use your card, your credit card company will likely contact you to alert you to a possible false charge. Since all major credit cards have zero liability for fraud policies, you will not be responsible for the charges – only for the hassle of getting a replacement card. Luckily, some credit cards now let you track the shipping of your new card via mobile app, as well.

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[July 26th, 2018]

Maybe you think you know all there is to know about your credit score. You make your credit card payments on time, keep your balance low, don’t take out more lines of credit than you need, and monitor your credit report on a regular basis.

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5 Ways To Maximize Your Credit Card Rewards
[April 28th, 2018]

Most people have at least one rewards credit card in their wallet. But many people don’t know how to use those credit cards to their best advantage by getting the most points possible and redeeming them for rewards they’ll actually use.

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How To Get Your Credit Card Issuer To Raise Your Credit Limit
[January 16th, 2018]

It’s happened to the best of us: you want to buy something using your credit card and find you don’t have enough available credit to complete your purchase. When you want to take advantage of low interest rates, high value credit card rewards, and the chance to pay off a purchase over time, it can be frustrating to be faced with a lower credit limit than you’d like.

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