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Jun
08

Be Alert to Credit Card Hijacking

By

Are you watching your credit cards and bank accounts?

We can never be too proactive in monitoring our financial affairs.  We all know someone who has experienced credit card theft or personal identity theft.  Personal information is becoming more and more available.  But there are some things we can do to help protect our interests.

I would like for all of our readers to consider these tips for keeping safe when dealing with banks, credit cards, and online shopping.

Credit Cards

Credit Cards

Credit Cards

Please, please, please.  Check your credit cards daily.  Make it part of your online routine.    Most credit card companies (with the exception of a few Credit Union cards) give you the ability to access your account online. If you see a transaction occur that you know you were not responsible for, you can quickly file a rebuttal of the charge.  Checking daily also keeps you more aware of the amount you have on your card at any given time.

Bank Accounts

The same thing goes for bank accounts as with credit cards.  Check them daily.  I refuse to have any bank account where I cannot see my transactions in real time.  I want to be able to go to the post office and by the time I get home, see the deduction from my checking account.

Buying online.

I think it is safe to say, that when dealing with large known businesses, it is safe to use your credit card.

However, if you are thinking of purchasing an online product or a service, that has a “subscription”, where you are charged a monthly fee, you might consider using PayPal or AlertPay instead.

Paypal

Paypal

It is very easy to set up an account at either site.  When you make a purchase that has a subscription, your transaction history will display a list of all purchases and subscriptions.  I like to cancel a subscription with the actual vendor, but as a safeguard, I can go into the subscription in Paypal and cancel it there.  I have to say that in all of our research, all the vendors on the internet that we have encountered, have been upfront and honest and immediately honor your request.

So all I am saying is to be careful.  Consider the source.  Once you have a relationship established with a vendor, you can change your payment method back to directly from your credit card if you so desire.

Credit Challenged?

If you are credit challenged as many people are these days, you can still use Payapl or AlertPay.  Paypal allows you to connect your bank account and you can transfer an amount to your PayPal account from there.  Now this process takes several days.  So if you are considering a purchase using this method, you will have to plan accordingly.  This also keeps impulse buying to a minimum.

My Dear friends,

This has been on my mind for some time now.  I hope that you all are watching your financial back.  If not, start today.

As always, here at Truman’s World, we wish you the best in everything.

{sharon}

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Categories : Trumans opinion

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