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Difference between revisions of "Getting a Credit Card"
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→Protect yourself!
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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. | 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. | 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. | 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. | 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. | 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. | 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. | ||