- Shield your credit card from prying eyes and ears. Thieves can now use camera cell phones to take photos of your credit cards while you're making purchases. Don't pull your credit card from your wallet or purse until you're ready to use it, and put it away afterward. If you're making a contribution over the phone to a political or nonprofit group, don't give out your credit card number unless you're sure the organization is legitimate.
- Use secure sites when shopping online. Before giving out your credit card number to make a purchase on the Internet, make sure you're on a secure site -- one that begins with https://. (The "s" stands for "secure.") Also, the site should display a small lock or other security seal.
- Change your PIN number. Change the PIN number on your cash card once in a while.
- Shred those documents. If you are purging old investment statements, tax returns and bank documents, use a shredder. And while you have the shredder out, use it on pre-approved credit card offers.
- Go "virtual." Try to replace paper statements -- from banks, financial services providers and credit card issuers -- with online versions. Many businesses will be quite happy to save the cost and expense of mailing account statements to you.
- Check your bank statements. Whether you get your bank statements online or on paper, check them at least a few times a month. If you find a transaction that looks unfamiliar or questionable, call your bank to find out more details.
- Get your credit report annually. To request a copy of your credit report, you can call the three main credit bureaus: Equifax (1-800-685-1111), Experian (1-888-0397-3742) and TransUnion (1-800-888-4213). Check your report closely for "surprises" or unaccounted activity.
- Guard your personal information. Don't carry your Social Security card in your wallet. Unless it's truly necessary, as when you're filing official papers, don't give out your Social Security number.