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Difference between revisions of "Getting a Credit Card"
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==Protect yourself!== | ==Protect yourself!== | ||
=== | ===Step 1. Keep a record of your account numbers=== | ||
Find a safe place for your credit card account numbers. Write down the expiration dates on the cards. Keep the toll-free customer service number handy in case you lose your cards. | |||
===Step 2. Don't lend your card to anyone=== | |||
Under the law in BC, your liability for a lost or stolen card is limited. That usually means you’re protected. But if you give your card and PIN to someone, you lose this protection. | |||
===Step 3. Shred credit cards you're finished with=== | |||
Shredding your bank statements when you’ve read them is also a good idea. | |||
===Step 4. Be careful about giving out your credit card number=== | |||
Don’t give out the number over the phone or online until you’re certain you’re dealing with a reputable company. If the company’s new to you, search for complaints against it online before you buy anything. | |||
===Step 5. Check your bills often=== | |||
Review your credit card bills as soon as you get them. If you use online banking, check your account frequently. | |||
===Step 6. Report questionable charges=== | |||
If there are any charges on your statement you think might be fraudulent, contact your card issuer right away. They can put a fraud alert on your card and prevent any more charges. | |||
===Go deeper=== | ===Go deeper=== | ||
Want to dive deeper into your rights and how to prevent problems with a credit card? [https://www.peopleslawschool.ca | Want to dive deeper into your rights and how to prevent problems with a credit card? [https://www.peopleslawschool.ca/getting-credit-card/ Check out our in-depth information on this topic]. | ||
==Helpful agencies== | ==Helpful agencies== | ||
If you run into trouble, these agencies may be able to help. | |||
:'''Financial Consumer Agency of Canada''' | :'''Financial Consumer Agency of Canada''' | ||
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:'''People’s Law School''' | :'''People’s Law School''' | ||
:See more options for free or low-cost legal help. | :See more options for free or low-cost legal help. | ||
:[https://www.peopleslawschool.ca/options-legal-help/ | :[https://www.peopleslawschool.ca/options-legal-help/ Visit website] | ||
{{Dial-A-Law_Navbox|type=consumer}} | {{Dial-A-Law_Navbox|type=consumer}} | ||
{{Dial-A-Law Copyright}} | {{Dial-A-Law Copyright}} | ||
