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Credit card fraud is an increasing crime, growing at the speed of the Internet. Consumers need to take measures to protect themselves and their families from becoming victims. Fortunately, there are easy ways to do it. Unfortunately, not enough of us take advantage of them. Don't be one of the unlucky ones. Make sure you implement all three of the following products and services in your line of credit card defense.
1. Credit Monitoring Services
Credit monitoring services are critical to protecting yourself from credit card fraud. They will send you regular alerts via email, text message and phone. These services let you know if changes have been made to your credit report and whether or not new credit accounts have been created.
While not free of charge, the protection offered significantly outweighs the fee. Not all credit monitoring services are created equal, so you'll want to do your homework before signing up. Just remember, they are well worth the investment.
2. A Shredder
Even if you don't have a single square foot of your home dedicated as home office space, you are still need of a shredder. Never, ever throw away personal documents and receipts without shredding them first.
Make sure you buy a shredder that is a cross-cut or confetti-cut model (strips can be pasted back together by patient crooks) and if you have pets and children, pay close attention to safety features. Some shredders are better than others at protecting toddler fingers and doggie tongues.
3. A Locking Mailbox
If you have a street-side mailbox, you need one that locks. You can't watch your mailbox 24 hours a day. Thieves know this. If your mailbox doesn't lock, the contents inside it become fair game and are considered easy pickings.
Any credit card statements or applications that are left in an unlocked mailbox can put you at risk of credit card fraud. A locking mailbox may be a bit of a pain if you receive packages that won't fit through the slot, but the hassle of falling victim to credit card fraud is worse.
Keeping yourself safe from credit-related crimes isn't hard. It's just a matter of some small investments and a few of very minor lifestyle changes. Remember, no one is protecting your identity or your credit card information for you. If you want to stay safe from credit card fraud, you have to take these measures yourself.
For more tips on credit card safety including saving money and avoiding getting taken, check out CreditCardWhizKid.com, a website that specializes in providing credit card tips, advice and resources.
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