Credit Card Safety

    To limit the potential for fraud if your credit cards are lost or stolen:
  • Keep a list of the names, account numbers and the expiration dates of your cards in a safe place. This will aid you when alerting your credit grantors of the lost or stolen card.
  • Call your credit grantors immediately after discovering your cards are missing. Most have 24 hour toll free numbers for this purpose. If you reopen the account, ensure they have your correct address.
  • Carry only the identification and credit cards you need when traveling.
  • Do not carry your credit cards in your checkbook.
  • If your checkbook is lost or stolen, call your bank or Credit Union. Inform them of the check numbers missing.
  • If your Social Security Card is missing, contact the Social Security Administration.
  • If your Driver's License is missing, contact the appropriate agency in your area.
    To limit the potential for fraud when using your credit cards:
  • Sign your credit cards in permanent ink as soon as you receive them.
  • When making a purchase, keep your card in view at all times. Retrieve it as soon as the transaction is completed and make sure it is yours.
  • Do not sign a blank charge slip. Draw a line through the lines above the total line.
  • Destroy any carbons.
  • Always save your receipts. Never leave them behind.
  • If requested to show a credit card as identification when using a check, do not let the sales clerk write down the account number.
  • Avoid saying your account number if others can hear.
  • Do not give out credit card information on a cell phone or a cordless phone as these types of phones can be hacked into easier than a traditional wired phone.
  • Only provide your ID and credit card information over the phone to companies with whom you have initiated the call. - Never provide it to a solicitor. If you are interested in the product, ask them to send you information. Any legitimate company will be happy to comply.
  • If using your credit card on the Internet, make sure the page is secure by looking for "https" in the address bar of the browser window and by looking at the security certificate as it should match the name of the company.
    To limit the potential for fraud, review your credit card statements:
  • Check your statement as soon as it arrives to ensure the charges are correct.
  • Keep statements in a safe place. They contain sensitive information.
  • Consider signing up for e-statements to limit the potential for your mail to be intercepted by criminals.
  • Before discarding old statements, even of closed accounts, cross-cut, confetti, or shred them.
  • If your statement does not arrive, call your credit card issuer. Use eStatements where possible.
  • If called by your issuer and the caller asks for your account number, do not provide it. If the caller is with the issuer, they will know your number.
    To limit the potential for fraud, check your credit file at least once per year:
  • It is beneficial to check your credit profile periodically. You may check your credit report for free once per year by visiting