What are some of the best strategies for protecting myself from credit card fraud?
Protecting yourself from credit card fraud in New Jersey requires both a preventative approach and a reactive approach. Preventative: 1. Review account activity regularly: If you are actively monitoring your credit card transactions, you are more likely to notice fraudulent activity when it occurs. Check your statements each month to help catch any suspicious activity. 2. Set up account activity alerts: Most banks and credit card companies allow you to set up notifications when certain activities occur, such as a transaction exceeding a certain amount or an international transaction. You can also set up alerts for when a new payee is added to your account. 3. Do not give out your card numbers online: Only provide your credit card information to websites that have secure payment systems and are encrypted. Make sure that you can see a closed padlock icon in the address bar. 4. Protect your PIN: Memorize it and shield it from view when entering it into a machine. Reactive: 1. Report suspicious activity: If you see any charges on your statement that you did not make, contact your credit card company immediately. 2. File a fraud alert: If you believe that your credit card information has been compromised, report it to the credit bureaus and your credit card company. 3. Dispute the charges: You should file a dispute with your credit card company for any fraudulent charges that appear on your statement. By following these steps, you can take control of your finances and reduce the risk of falling victim to credit card fraud.
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