|
|
|
Common Online
Frauds & Scams
|
|
|
|
|
Credit Cards
- Beware of
imposters. Someone may claim to be connected with your credit
card issuer and ask to “verify” your account number to
make sure you’re protected. Your real credit card issuer
doesn’t need your account number; it already has it.
- Beware of
emails that offer credit services. Many unsolicited emails are
fraudulent.
- Beware of
credit card fraud. Don’t leave your card lying around
your home or office where others can see it, and don’t lend
it to anyone. If you want someone else to be authorized to use
your account, make those arrangements through your card issuer.
Only give your credit card number when you are actually making a
purchase.
- Know your
rights. Under federal law, you’re not responsible for
any charges if you report your card missing before someone else
has used it, and you are not liable for more than $50 if it has
been used, as long as you report the problem promptly.
- Your credit
card issuer may offer extra protection for free. Most card
issuers have voluntary policies to remove unauthorized charges
completely if consumers report them as soon as they discover them.
If you’re not sure what your issuer’s policy is, ask.
- Check your
credit card bills carefully as soon as you receive them.
Follow the instructions on your bill for questioning or disputing
charges. Don’t send a note with your payment, since a
separate department usually handles disputes. Make copies of any
forms or letters that you send your credit card issuer about the
dispute, and be sure to pay the rest of your bill on time.
- Be prepared
in case your card is lost or stolen. Keep a file with your
credit card issuer’s name and telephone number and your
account number. Have this separate from your purse or wallet in
case it’s stolen, too.
Information on this website is provided by Chris Triolo, additional
information on internet Frauds and Scams can be found at www.FBI.gov or www.nclnet.org
home
|
|
|
|
|
