Beware Of Credit Card Scams- Easy To Spot Signs You’re Getting Ripped Off
By Mike Wayman
If you have had your credit card lost or stolen, someone can use your card to make purchases. Also, spyware is used to obtain people’s credit card details, and if you give out your security code, they can make purchases on the internet or over the phone. If they know your pin number, they can get cash advances from an ATM using a cloned card, where another card has been made with your details.
Keep a watchful eye on your credit card statement for any charges that you did not make. If you have given our credit card details to a suspicious person, perhaps on the internet, keep your eyes out for activity. If you keep your security information somewhere with your card, and it if found missing, this could be a theft.
Good guidelines are to never give out credit card information to someone you don’t trust. Don’t use public computers at libraries or internet cafes to do your online banking. Don’t use software that autocomplets online forms. Scammers can get easy access to your details. Do not give out details on the phone regarding your personal information, credit card, or any online accounts, to anyone you don’t know to be a trusted source. Never send that information through email.
If you find account activity that is not yours contact the bank immediately.
Check Your Partners Report Before You Say “I Do”
By Mike Wayman
Marriage. It is full of happiness and bliss – what’s mine is yours, what’s yours is mine. From the moment you say, “I do” you exit the world of two separate beings and enter the world of unity and one. Everything is combined. Maybe you saw that movie recently, “What Happens in Vegas,” where a fluke wedding and $50 million in gambling winnings created problems in divorce court. Needless to say, when you are married everything from the $50 million you win gambling to the $50,000 you are in debt is joined.
For this reason, many people today are exchanging credit reports with their partners before saying, “I do.” It may not seem very romantic, however it makes sense financially. When you are single, your credit report is private. The second you get married your report is linked to your spouse’s.
When you are married you will need to rely on both you and your spouse’s credit to apply for loans for a home and cars. Usually the credit company will consider the two histories together and use them to determine whether or not you are approved. Therefore, if your future spouse has a credit problem, you might want to know about it now, before it is too late.
