skimmingdevices.ru - How to Keep Your Personal Information Safe

Holiday spending can be a wonderful time. We shop for our loved ones, friends, co-workers, and associates. Finding just the right gift and paying by credit card. Your credit card is declined. You know you haven't exceeded your credit limit, and the clerk can't tell you anything. How frustrating.

Now begins the trek to uncovering the reason for the error. Calling the credit card company results in the discovery that some else has been using your credit. How could this have happened?

Take the time this year to protect your information. Pay closer attention to transactions and watch out for thieves causing distractions.

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Shoulder Surfers. Pay attention to people who are standing close in your space. If you are using a PIN pad at a store, guard your information. Block the other persons view with your body and your hand. If you are using an ATM, pay attention to anyone who is too close for comfort. Put your body between them and the ATM. If you haven't started your transaction, step aside and let the other person go first.

Sales Clerks on the Phone. When making your purchase, don't hand your credit card over to a clerk who is on the telephone. Your card information could be relayed to another person.

Unorganized Sales Clerks. Sales clerks who seem overly rushed or unorganized could be using that to cover up the way they are copying your credit card information. Copying your card information by hand . If the clerk seems too busy, wait until he/she is finished before handing over your credit card.

Writing a Check. If you write a check, the clerk may ask you for identification. This is normal. What is not normal is for the clerk to write down your identification or information. They should not write it down on your check, or anywhere else. They are only allowed to look at it to verify you are the person named on the check. Always remember the clerk cannot write it down, anywhere.

Charitable donations. This time of year charities can be found everywhere. Make sure you know who you are donating to. Imposters may set up legitimate-looking collection points. If you want to donate find out a local contact and make your donation directly. Don't make a donation by check or credit card if you are not familiar with the person or organization.

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