Tips for survival
1. Do not sign the back of your credit cards. Instead, you should write "PHOTO ID REQUIRED" 2. When you are writing checks to pay a credit card bill, do not put your complete account number on the memo line. Just use the last four digits. Your credit card company already knows the rest of the info because you've enclosed the billing notice also. Once that check leaves that company there are countless sets of underpaid eyeballs (check processing channels ) that see your check as it's headed back to your financial institution. 3. Put your work phone number on your checks instead of home. If you have a p.o. box address, use that instead of your home addy. And NEVER - EVER put your social security number on your checks. 4. Place the contents of your wallet on a photocopy machine (not a public one) or your home scanner. Copy both sides of all your cards, driver's license, etc. Keep your photocopy in a safe place for easy access if something happens to your wallet/purse. All the info you need to cancel stolen cards is RIGHT THERE at your fingertips now. Such an easy step to take to prevent financial catastrophe and STRESS. 5. File a police report immediately if your wallet/purse gets stolen. This way if there are fraudulent charges on your cards, you've got proof to show your creditors that you were diligent in protecting yourself. 6. In the event of theft you should call the BIG THREE credit report companies. Equifax, Experian, and Trans Union. You should also contact your social security office and ask for the fraud hotline. (sorry, I don't have these numbers on hand) Even though I haven't owned any credit cards since July, these are the steps I took to protect myself in from thieves and fraud. The crooks are getting smarter and more desperate these days. We have to keep one step ahead of them.