While it’s dangerous to lose your credit card on the street, it’s also possible for it to be compromised online. Sometimes, the last cases are the most dangerous ones.
If someone steals your wallet or your credit card gets lost, it can be a real bummer. However, there’s an upside: at least you know that you need to request a new card and shut down the lost one. If someone steals your credit card information and you don’t notice it, they can start using it until you realize what’s going on, which can add up to many hundreds of dollars.
Online scammers are quick and are always coming up with new ways to deceive innocent credit card owners. They have simple tricks that work on distracted or naïve consumers. Luckily, you can anticipate most of these and avoid falling in many traps!
You have to be suspicious of all emails that reach your account and demand that you write down in some website your credit card data or payment information. If you’re not certain whether it’s a scam or not, you can verify it by paying attention to some details.
Firstly, look at the email address. If you click on the display name, which usually looks pretty official, you can see the real email address. If it doesn’t follow the legitimate format of the company, chances are you were almost the target of a scam.
Secondly, look at the URL of the link that you received in the email. If it’s a legitimate site, it should start with https://, because all sites that ask for your financial information should be secure ones. You should also see a small lock icon in the browser bar. An unsecured site starts with http://, so avoid entering your payment information there.
You can also shut down fraudulent sales if you go over your credit card statements, as well as your banking ones. This way, you’ll notice any suspicious purchases on time to stop them from being charged.