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Avoid Credit Card Scams

Posted by Ellen Brown | Apr 29, 2024

How to Protect Yourself from Credit Card Scams

Credit card scams are on the rise, and it's more important than ever to be aware of them and how to protect yourself. Here are some tips:

  • Be wary of unsolicited emails, texts, and phone calls. Scammers often use these methods to try to trick you into giving them your personal information or clicking on a malicious link. If you receive an unexpected message from someone claiming to be from your credit card company, don't click on any links or provide any personal information. Instead, hang up the phone or delete the email.
  • Only use secure websites when making online purchases. Look for the "https" at the beginning of the website address and a padlock icon in the address bar. These security features indicate that the website is using encryption to protect your personal information.
  • Keep your software up to date. Software updates often include security patches that can help protect your computer from malware. Make sure to install software updates as soon as they are available.
  • Use a strong password for your credit card account. Your password should be at least 12 characters long and include a mix of uppercase and lowercase letters, numbers, and symbols.
  • Enable two-factor authentication. Two-factor authentication adds an extra layer of security to your credit card account by requiring you to enter a code from your phone in addition to your password when logging in.
  • Review your credit card statements carefully. Look for any unauthorized charges and report them to your credit card company immediately.

By following these tips, you can help protect yourself from credit card scams.

Here are some common credit card scams to be aware of:

  • Phishing: This is a type of scam where the hacker sends you an email or text message that looks like it's from your credit card company. The email or text message will often ask you to update your personal information or click on a link. If you click on the link, you will be taken to a fake website that looks like the real credit card company website. Once you enter your personal information on the fake website, the hacker will steal it.
  • Card skimming: This is a type of scam where the hacker installs a device on a credit card machine that steals your credit card information when you swipe your card. The device is often very small and difficult to see.
  • Malware: This is software that is designed to harm your computer. Malware can be installed on your computer through a variety of ways, such as clicking on a malicious link, opening an infected attachment, or downloading a file from an untrusted source. Once malware is installed on your computer, it can steal your personal information, including your credit card information.
  • Imposter scams: This is a type of scam where the hacker calls you and pretends to be from your credit card company. The hacker will often ask you for your personal information or tell you that there is a problem with your account. If you give the hacker your personal information, they will steal it.

If you think you have been the victim of a credit card scam, you should immediately contact your credit card company. They will be able to cancel your card and issue you a new one. You should also report the scam to the Federal Trade Commission (FTC). The FTC can help you track down the scammers and bring them to justice.

By being aware of credit card scams and taking steps to protect yourself, you can help reduce your risk of becoming a victim.

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