It is more that common to pay by credit card, both in the store or online. But is it really safe? Here our four tips how to use credit cards safely.
Don’t show the data of your card
To use the card, you only need to know the data that is highlighted on the card on the front side and the last 3 digits on the other side of the card. People specializing in stealing data from a card are able to remember its number. For example, when we stand in a queue to the check out and we remove the card too early, we can put ourselves in danger. In addition, depending on the bank, the cards have some permanent elements – if the thief recognizes the bank and the type of card by the image of the card, he no longer has to remember the entire number.
Never take the card out of your sight
In addition, most terminals give you the option to choose authorization with a pin or signature – if the card disappears from the field of view, the seller can use it once with authorization for the signature, and then give us twice with authorization for the pin – we think we paid once, in fact it was twice. You might have heard the story of a man who paid $350 for a pizza. It is very possible that the saleswoman copied the credit card details.
Usually, the scenario is that when we want to pay with a flat card (useless to a thief) then the service of such a restaurant says that this is not possible and asks for a credit card. He takes her to the back room and either writes down the numbers or authorizes them twice.
Regularly check your statements
It is necessary to check the statements regularly. We are statutorily insured against unauthorized use of our card. The earlier we report it, the easier and faster we will recover the money. However, the insurance only works above about $150. Therefore you should choose banks that insure you below this amount on your own.