Identity theft is something very common these days but apart from being infamous, there are too many misrepresentations and myths which swirl around the industry about how you should best safeguard yourself from such crime. While there are identity thieves who entirely focus on stealing your credit cards and maxing them out even before it dawns on you that your card is missing. There are large numbers of identity thieves which use other vital sources of information about you and henceforth try to steal your identity. If you want to use your credit cards peacefully with no identity theft, you need to know some essential facts on identity theft. Here are some that you should know.
#1: Thieves don’t require your credit card number to steal it
No, the identity thieves don’t require your credit card to steal your identity and they’re craftier than what you could imagine them to be. All they may need sometimes is one piece of information about you and it is through that information that they may get access to the remaining details. This is the reason why it is important to lock all vital documents at home. Birth certificates should be kept at home and credit cards too, when you’re not using it.
#2: Often non-financial information is also enough for a thief
You might be sharing seemingly innocent things online and you will never realize that such innocent facts will also help the thieves to steal your identity. Don’t ever list your entire birth date on any social networking site, especially Facebook. Your telephone number, home address are some other information which you should avoid disclosing.
#3: Review bank and credit card statements once in a week
Watch out for charges which are less than one dollar or two from individuals and companies with which you aren’t familiar. Thieves who are interested in purchasing through stolen credit cards often first check whether or not the account have been cancelled by the aware credit card holders. They hence send a small charge of a few pennies and as soon as the first charge succeeds, they start making further purchases. So, you should regularly review your credit report, at least once in a month so that you remain notified of any illegal activity.
Being aware of identity theft is a smart step that can be taken by the credit card users. Credit card and debit card users are the biggest victim of identity theft and hence if you don’t want to become a sad victim and lose your dollars, try your best to outsmart them.
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