Plastic is becoming an increasingly common way to pay, and digital technology offers increasingly more convenient ways to use credit. But with increased convenience also comes increased risk, and these conveniences also allow criminals to steal your information in many ways. Although banks tell you that your information is safe (and to a large extent this is true) there is always the element of risk, and that risk increases if you are not careful in your day-to-day use of the card. But there are a few precautions you can take to make sure that your information is not stolen.
Be Careful Of Who And Where You Give Your Information
Many places allow you to pay with a credit card, especially retail outlets. Be observant of the surroundings as well as the person who is handling your credit card. Ideally, your credit card should always be within sight, even if an employee is handling it; don’t allow them to walk off with it. If it is a restaurant, have them bring the machine to you or go to pay at the cashier. Of course, never share your information over the phone or via email.
Avoid Using Your Card Outdoors
Avoid using outdoor ATMs to withdraw money if you can, because that gives anyone the chance to tamper with it using special skimmers that can read your information. The same device can be used at gas stations and other retail outlets that allow you to pay yourself. Whenever you pay for gas, use cash as much as you can.
Stay In The Know
Keep abreast of what is going on with your bank. If there are any reports of hacking then you should ask your bank to change your credit card as soon as possible. Look out for any news of places where suspicious activities are being reported as well as new forms of fraud.
Get An RIFD-Blocking Wallet
Electronic devices can read the information in your credit card while it is still in your pocket. To avoid this, you can get a wallet that blocks RIFD readers. This way you can protect your information from electronic readers until you are ready to use it.
Be Careful Where You Surf
Do not go on sites that are suspicious, as some of them contain malware that can instantly download and read your information. Ideally, have anti-malware software installed on your PC or otherwise just avoid suspicious sites.
