Use Your Credit or Debit Card Safely

Modern day financial transactions have become easier through the use of credit and debit cards. They have made obsolete the necessity to carry around large sums of cash and have thus provided people with a greater sense of safety and security. This can be further enhanced by learning how to properly use credit and debit cards.

The first thing you will notice upon receiving your credit or debit card is the blank signature panel at the back of the card. You should sign your card as soon as you receive it.

Next, you will need to activate your card. Doing so will require the PIN issued by the bank and eventually a password that you will either be given by the bank or set yourself. A good safety practice is to keep your PIN and password somewhere safe, and not in the same place as your card. If, for example, you keep your credit or debit card in your wallet, keep those codes in a desk drawer at home.

Moreover, keep your codes and account number private. Do not share this information with anyone, and do not keep notes of them in mobile devices or devices that have online access. When using your credit or debit card online, make sure that your devices and networks are secure. Install a firewall, a permanently running antivirus program, anti-spyware software, and make frequent anti-malware and anti-spyware checks. Clear cookies and browser caches often to further minimize risks.

These are some basic guidelines that will help you use your credit or debit card safely.

Another post from Gina Wilson – Credit & Loans Specialist Blogger.

About the Author

Gina Wilson
I am an ex banking professional with over 6 years in credit administration and an avid blogger that writes useful posts to help those that want to navigate today's crazy world of mortgages, property loans and credit.

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