10 simple Ways Identity Thieves steal your Credit Card

There are 10 basic ways a crook can easily rob your identity by getting at your credit card or open a new credit card in your name, but there are also ways you can prevent this from occurring.

Simple Thievery

Leave a window open and a thief can slide through, then steal your stuff. He can even slide an arm through your car’s open window while you’re filling the tank at a gas station. To prevent this, keep house windows closed as much as sensibly possible; keep important documents locked up; keep car windows rolled up and doors locked when you’re out; and keep your wallet/purse hidden.

Employee Records

Your employer has your private information and in some cases a credit card number, which an identity thief could get access to. To prevent this crime, ask your employer how your personal information is stored. Be on the lookout for things you’d never expect.

Change of Address

An identity thief may file a change of address form in your name. He’ll get all your credit card related mail or your Social Security number. To prevent this, watch for change-of-address notices in your mailbox. If you stop receiving credit card statements, call the company.

Social Media

Your online profile may have all the information a thief needs to steal your identity. Prevent this by deleting personal information. Give answers to the security questions of financial accounts that don’t appear on your social media pages.

Mailbox Theft

A crook can easily abscond with mail (incoming and outgoing) relating to your credit cards and bank account. To prevent, get a locking mailbox and don’t delay retrieving new mail. When mailing letters, use an official Post Office mailbox or go to the post office.

Dumpster Digging

If you see someone foraging through the trash, they’re not necessarily looking for food or cans or metal.  They can be searching for paper: a credit card statement, credit card offer or anything with your important numbers on it. To prevent, use a shredder, and go to electronic statements when possible.

Shoulder Snooping

The thief will peer over your shoulder to see your transaction (credit card number, password, whatever data is there). To prevent, cover your card number at a cash register and mask your PIN as you enter it in a keypad or ATM. When using your laptop for ecommerce, sit against a wall. If this isn’t possible, keep the screen at an angle that only you can view or get a 3M Privacy Filter. Google it.

Phony Call

The thief calls you, claiming to be a rep from your credit card company, asking you to confirm personal information. The thief then contacts your credit card company and poses as you…Please just HANG UP!! Call back the credit card company using the number on the back of your card to confirm any potential issues. Never give personal information over the phone if that person has called you.

Pickpocketing

These snakes slither in and out of crowds, often without being noticed, non-violent but very efficient. Prevent being their target by keeping your wallet hidden and not easily accessed.

Cloned Cards

Once all the damage is done and your card number is stolen, criminals can create exact duplicates of your card using foils and laminators burnt onto blank cards that can be purchased online.