The following suggestions may help you protect your credit card and your ATM or debit card accounts.
For credit and ATM or debit cards:
Be cautious about disclosing your account number over the phone unless you know you’re dealing with a reputable company.
Never put your account number on the outside of an envelope or on a postcard.
Draw a line through blank spaces on charge or debit slips above the total so the amount cannot be changed.
Don’t sign a blank charge or debit slip.
Tear up carbons and save your receipts to check against your monthly statements.
Cut up old cards – cutting through the account number – before disposing of them.
Open monthly statements promptly and compare them with your receipts. Report mistakes or discrepancies as soon as possible to the special address listed on your statement for inquiries. Under the FCBA (credit cards) and the EFTA (ATM or debit cards), the card issuer must investigate errors reported to them within 60 days of the date your statement was mailed to you.
Keep a record – in a safe place separate from your cards – of your account...
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