What to Do
- Sign all credit cards as soon as you receive them.
- Pay attention to billing cycles. If bills fail to arrive, contact the company to ensure the bill has not been illicitly redirected.
- Review your financial statements and look for unauthorized transactions such as purchases and withdrawals.
- Limit the number of credit and charge cards you own to reduce exposure.
Notify your creditors immediately if you have lost or had a card stolen.
Destroy cancelled checks and store new checks in a safe place.
Destroy pre-approved credit card applications, credit card receipts, bankbooks, bank statements with checks and pay statements.
Cancel all inactive credit cards.
Review credit bureau files annually and immediately question any unknown credit inquiries or unauthorized accounts.
Before providing any personal information to a third party, find out how it will be used and if it will be shared.
Carry only the essential identification information you need with you and keep things like your Social Security Number and passport secured at home or in a safety deposit box.
What to Avoid
- Never record or keep a Client Card PIN, password or Social Security Number in your wallet.
- Only provide your Social Security Number when absolutely necessary. Ask to use other types of identifiers when possible.
- Don’t leave mail lying around. Deposit outgoing mail in post office collection boxes or at your local post office, and promptly remove mail from your box after delivery.
- Don't provide personal information such as birth date over the telephone and only provide your credit card number when you have initiated the call to a trusted third party.
- Don't leave your purse or wallet unattended at work, restaurants, health clubs, in a shopping cart or at social gatherings.
- Never lend credit or debit cards to anyone.