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Credit Card Fraud Protection

Some people say that credit card fraud protection is the responsibility of the banks and others say that it is the responsibility of the card holder. Either way there are things that both parties can do to enhance credit card fraud protection. 

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First of all if you are applying for a credit card look for one supplied by an institution that will not allow you to activate the card unless you phone it in to do so.  Usually they send you some type of code in the mail first and then the card (along with instructions about how to activate it) to a second address. 

When you apply for a credit card make sure the company has the right return address for you. Make sure the apartment details and other details are correct on the card. You don’t want this to end up in the wrong mailbox so it can be activated by someone else. 

Don’t share a credit card account with anyone, even your spouse, unless you absolutely have to. The less people involved with a credit card, the less that can go wrong in terms of PIN numbers, charge backs and all kinds of problems. It also has less chance of being lost.

Change your PIN number every now and then so that you are not predictable. Always memorize your PIN and try not to write it down. Don’t use predictable numbers as a PIN such as your birthday, phone number, address or other combinations that might be easy for a criminal to guess. You should also never tell your PIN number to anyone. 

When doing a transaction at an ATM make sure you choose one that is protected by camera surveillance. This way if if there is someone looking over your shoulder writing down your pin and account numbers then the authorities are more likely to catch them.

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