Credit Card Safety: Holidays and Every Day

Posted on: December 11, 2014

Don’t get scammed this holiday season—make sure you’re following the recommended practices for keeping your credit card number and other personal information safe online and off.

Incoming Call? Don’t Give Out Your CC Number

Never give your credit card number out over the phone to someone who calls you. If you get a call that’s purportedly from someone at your bank, insurance company, a store you’ve done business with, or any familiar organization, and that person asks for your credit card or social security number, tell them you need to call back. Look up the phone number of that business or organization and call them to make sure the call you received was legitimate.

NOTE: Always trust your instincts. If something sounds sketchy, it probably is.

Shopping IRL (In Real Life)

Heading out to the shops? Reorganize your wallet:

  • Take only one credit card with you. If your wallet or purse is stolen, you’ll only have to report and monitor one card.
  • Consider leaving your debit card at home. If your debit card is stolen, the money comes right out of your account. And that loss is much harder to recoup than the losses from fraudulent credit card charges.
  • Keep your card secure and private. When you are waiting to pay at the register, keep your credit card in your wallet until the last minute or hold it in your hand so that the numbers don’t show. And always put it back in the same place, right away.

Credit Card Security While Shopping Online

  • Don’t make assumptions; be informed. Always check the retailer’s return policy, shipping costs, and other transaction information before you make or complete your purchase.
  • Check for the S. Whether you’re using a computer or mobile device, always check to make sure that the site on which you’re making a purchase has https: at the beginning of its web address. That “s” at the end stands for “secure.” It means that the data you input into the site gets encrypted.
  • Don’t use an unsecured network. It’s best not to shop online while using public Wi-Fi. Any information you send could be captured.
  • Use a designated card for online purchases. Again, this is a “just in case” measure; should your credit card number be compromised, you’ll only have to report and track one card.

Keep Good Records—Then Destroy Them

  • Check your statement for discrepancies. Save your credit card receipts so you can reconcile them with your statements. If everything checks out, shred the receipts.
  • Destroy your old cards. When you get a new credit card, shred its expired predecessor.
  • Shred credit card statements. You should shred your credit card statements once you’ve paid the bill, unless you need them for reimbursement.

An Easy Way to Shred Credit Card Info

If you have at least a banker’s box worth of papers at your home that you need to shred, consider bringing them to one of TrueShred’s monthly local community shred event.

Upcoming Events

10:00 am Monthly Community Shredding
Monthly Community Shredding
Jun 11 @ 10:00 am – 2:00 pm
Recycling Event To accommodate residential and small business clients, TrueShred offers a paper shredding drop-off option. Bring your medium sized boxes (Regular Bankers Box) of sensitive papers and for just $10 per box watch the
Dennis R. Akers, Audit Supervisor - Virginia Department of Taxation

”TrueShred was prompt, efficient, clean and extremely professional. I plan to continue to use your service and will highly recommend TrueShred to other businesses.”