Advertising
Advertising

8 Credit Card Security Tips You Should Not Miss

8 Credit Card Security Tips You Should Not Miss

Recently, I bought a jacket at Ralph Lauren in New York City (an admittedly extravagant gift to myself for finally finishing my first book). At checkout, the clerk asked me to fill out a contact form. “No thanks,” I said. “I don’t like to give out my email address.”

“We won’t spam you,” he said. “It’s just to notify you when new items become available.”

After I briefly explained how spam works, and that notifying me of the availability of new items not only constitutes spam, but pretty much defines it, the clerk smiled politely and said “no problem.” As he went into the back to run my card, I noticed a second clerk standing nearby. He’d overheard our little back-and-forth and was smiling wryly to himself. Finally, he couldn’t hold it anymore. “You know they can get to you through your credit card anyway, right?”

Advertising

This gave me pause. I did know that, didn’t I? I mean, if a business wants to spam me, they can easily figure out my contact info from a purchase I’ve made. And that’s when a second, more insidious thought struck: If it’s that easy to spam someone after they use their credit card, how easy would it be to steal their identity?

When it comes to credit cards, there’s a whole universe of information out there, and much of it consists of black holes. That is to say, most of us simply don’t know what we realistically should or should not be concerned about. Sure, none of us want our identities stolen, our accounts hacked, our emails spammed—but what exactly are the risks and what can we do to mitigate them?

Following are 8 essential security measures we should all be taking with respect to credit cards. These tips will help us avoid spammers and identity thieves alike.

Advertising

1. Treat your cards like cash.

Would you hand a bartender a pile of cash and say “I’d like to open a tab?” So why do that with a credit card? We tend to treat cards differently than cash because they’re plastic. And hey, if someone snags your card, what’s the worst that could happen? Well, it’s called identity theft, and it ain’t a walk in the park. To avoid this, start thinking of and treating your credit cards like cash. Don’t leave them lying around or in the hands of strangers. Yes, this makes life slightly more annoying, but just think of how annoying it would be if someone snatched your card and copied or cloned it. Remember, a credit card is like a pile of cash. Treat it as such.

2. Only buy from trusted websites.

Online shopping is all the rave these days, and often times we enter our credit card information without giving it a second thought. That’s basically an identity thief’s wet dream. To keep the wolves at bay, make sure you check for security signs from whatever site you’re shopping from. These include a URL that begins with ‘https’ instead of the standard ‘http.’ That ‘s’ stands for ‘secure,’ which means the site uses encryption code when transmitting data online. Also check the page for a lock symbol or security firm icon from a trusted firm like Verisign or McAfee. Those symbols indicate a secure site.

3. Be careful when you travel.

The universal language isn’t English anymore—it’s code. That means that a hacker can snag your personal information from anywhere in the world. So be sure to be extra cautious when you travel. Only use your card at bank ATMs and trusted retailers. Let your bank know where you’re traveling and what the dates are so they can notify you if there are any suspicious purchases. And always update your antivirus protection if you’re bringing a laptop with you.

Advertising

4. Avoid public computers and WiFi.

People love to go online shopping whenever the mood strikes. Sometimes this means shopping on a public computer or open WiFi network. This is extremely dangerous as these platforms are especially vulnerable. So here’s a neat little trick for you: Feel free to browse and comparison shop online when you’re on an open WiFi network, but don’t purchase anything. Wait until you’re on a secure server (your home computer) before making a purchase. This has the doubly-positive effect of helping to curb your impulse-buying habits! As for public computers, never enter credit card information on them. Hackers often install malware onto public computers specifically targeting online shoppers. Plus the computer’s cache can store your personal information, making it easier for someone to steal it.

5. Never save your credit card number.

I know, I know, that whole ‘1-click’ thing makes life super easy. But just think of how easy you’re making the life of a hacker or spam-artist by storing your credit card info on a retailer’s server. Remember that massive customer breach of Target not long ago? Sure, identity thieves can strike anywhere. But storing your information with a retailer is like standing in the middle of a war zone with a giant bullseye painted on your back. Better to take the time to input your card info for each and every purchase (this also helps curb impulse-buying, by the way).

6. Keep your PIN number safe.

This one is obvious, but bears repeating anyway. You should never ever EVER give out your PIN to anyone, ever. Not your parents, not your friends, not your priest or rabbi. Not even if God herself came down from heaven and demanded you hand it over. Sorry God, no exceptions here. The ‘P’ in PIN stands for personal. Make sure to keep it that way.

Advertising

7. Be wary at the ATM.

Thieves love to hang out at ATM terminals with devices that can snatch your card info – sometimes electronically. They use counterfeit cards with magnetic strips to clone your information and make fraudulent purchases. So be wary whenever you use ATMs. Always shield your PIN number from view, never accept help from anyone, and if a sketchy dude or dudette is hanging around the ATM machine, it might be best to move on to the next one.

8. Watch out for phishing scams.

A phishing scam is any scam that lures a potential victim into giving away personal information which can then be used to steal their identity. A popular example is the follow-up email from a retailer you recently made a purchase with. If you receive an email claiming there was a problem with your order, and you need to resubmit your credit card info or input the last 4 digits of your Social Security number, a red flag should go up. Any legitimate retailer that needs additional information to complete your order will ask you to return to the site and submit information on an encrypted page (and this information will never be your Social Security number). When in doubt, call the customer service number to speak directly with a representative.

While the whole idea of identity theft may seem scary and invasive, the fact remains that we live in a brave new world when it comes to personal information. More and more of our information is being stored in more and more places around the world, which makes it that much easier for thieves and spammers to acquire it. But don’t be discouraged, and don’t throw in the towel. While you can never completely eliminate the possibility that your information will be stolen, you can reduce the likelihood of such an event occurring. All it takes is a little awareness and a willingness to take the necessary precautions.

Featured photo credit: _Dinkel_ via Flickr via flickr.com

More by this author

8 Credit Card Security Tips You Should Not Miss

Trending in Money

1 40 Healthy And Really Delicious Meals You Can Make Under $5 2 Life Insurance: A Secure Way To Protect Your Future. 3 How To Save Money On Groceries: 13 Quick Tips 4 10 Investment Tips For Beginners 5 Top 6 Hacks on How To Build Credit Fast

Read Next

Advertising
Advertising
Advertising

Last Updated on April 19, 2021

40 Healthy And Really Delicious Meals You Can Make Under $5

40 Healthy And Really Delicious Meals You Can Make Under $5

Ever had those moments where you really wanted to eat something delicious and healthy but didn’t have the financials means to do so? Whether you’re a student or parent, this compilation of 40 great, healthy, and inexpensive recipes will make every night special and help you get fit! No more meals where you have to force the food down! It’s time to make that budget your best friend and turn it into great recipes. Enjoy!

1. Fish Tacos in Crunchy Shells ($3.56 per serving)

Is there a better way to end the day than a Fish Taco dinner filled with protein and nutrients and is easy on the wallet? This recipe calls for a boys’ or girls’ night in front of a good movie or game.

3080

    2. Mini-Meatball Noodle Soup ($3.43 per serving)

    We’ve heard of the delicious spaghetti and meatballs recipes, but imagine having that same meatball goodness in a soup? It’s like Christmas in a bowl. Healthy, warm, and only $3.43 per serving.

    3069_0

      3. Spaghetti and (Vegan) Meatballs ($2.13 per serving)

      Now it’s time to look at the traditional spaghetti and meatballs recipe, but with a little twist: vegan meatballs. This way, you can enjoy the Italian tradition without adding on the extra calories. I’m sold!

      3074_0

        4. Kabocha Squash and Lentils ($3.12 per serving)

        Absolutely delicious way to end the day with a Kabocha Squash and lentils dinner. The beauty of this recipe is that you can actually make many other things from the mixture, from dips to full-on meals. All under $5 per serving.

        Photo-Oct-26-21-e1414441326306-225x300

          5. Baked Coconut Lentils ($0.91 per serving)

          Coconuts are always a good idea, but it doesn’t have to be eaten only for dessert or breakfast. With this great recipe, you can now eat a lunch or dinner filled proteins and a coconut twist. Yum!

          3077_0

            6. Easy Marinated Roasted Chicken ($3.40 per serving)

            We love chicken and at less than $5 per serving, we are in heaven with this recipe. Add some vegetables and rice on the side and you’ve got yourself a full meal!

            3078_1

              7. Organic Greens and Goat Cheese Gratin ($2.36 per serving)

              This is absolutely divine. You get in your healthy greens and your fat macros with this great recipe. Takes only a few minutes to make and it’s easy on the wallet. Bon Appetite!

              Advertising

              3068

                8. Beef Pot Roast ($3.22 per serving)

                One word: perfect. This meal will warm your insides and fill you up with the high protein content.

                3079

                  9. Fajita-Style Quesadillas ($0.43 per serving)

                  If you want to eat Mexican tonight but want to stay in your budget, this Quesadilla recipe is your best friend. It’s tasty and filled with healthy ingredients for less than a dollar per serving.

                  R172184.jpg.rendition.largest.ss

                    10. Fish Tostadas with Chili Lime Cream ($2.82 per serving)

                    Another great lunch idea for the busy days ahead. Prep this in the morning or the night before and you’ve got yourself a healthy and cheap lunch meal!

                    R131419.jpg.rendition.largest.ss

                      11. Beef and Black Bean Chili ($1.36 per serving)

                      Might not look like much, but this amazing chili is actually extremely healthy for you. The protein from the beef and the carbs from the black beans will fill you up in no time, and keep you full for a long period of time. Delicious and warm, just right for the winter!

                      RU193781.jpg.rendition.largest.ss

                        12. Crispy Fish and Peppers ($2.18 per serving)

                        Amazing recipe for anyone looking to change up their meals while keeping their macros in check and not going overboard on spending. Satisfies your crunch tooth (see what I did there?) and gives you all the protein you need to stay full and lean.

                        R150828.jpg.rendition.largest.ss

                          13. Vegetarian Gumbo ($1.50 per serving)

                          You have the perfect macro mix here with the carbs, fats, and proteins. At less than $5 per serving, you’ve got yourself a meal that will last for the whole week!

                          R058526.jpg.rendition.largest.ss

                            14. Mexican White Bean Soup ($0.99 per serving)

                            With the cold weather creeping in, it’s not a surprise that soups are coming back in style. This great Mexican White Bean Soup dish will keep you warm for winter without making a hole in your pocket.

                            RU191493.jpg.rendition.largest.ss

                              15. Black Beans with Mango & Cilantro ($0.38 per serving)

                              Mangoes make every dish a little bit sweeter, which is why we absolutely love this recipe. A normal rice and bean dish might be a little meh, but add the sugary taste of mangoes and you’ve got yourself a party!

                              Advertising

                              Black-Bean-Cilantro-Mango

                                16. Bean Burritos ($0.71 per serving)

                                If you’re having people over tonight and don’t want to spend too much time or money on food, this dish is a great option! You can even cut up the burritos into pieces and make finger foods while everyone’s watching the game or gossiping.

                                IMG_4791

                                  17. Five-Spice Beef Kabobs ($2.43 per serving)

                                  The spices in this recipes add a delicious twist to the beef kabobs, which is definitely worth trying!

                                  RU173795.jpg.rendition.largest.ss

                                    18. Cornmeal Crusted Pork ($1.92 per serving)

                                    If you like the fried crunch but want to opt for a healthier alternative, cornmeal is your man. This healthy recipe will satisfy all your fried desires without making you pop open your pant’s button.

                                    R102170.jpg.rendition.largest.ss

                                      19. Chicken, Tomato & Cucumber Dinner Salad ($2.57 per serving)

                                      Easy to do, extremely healthy, and super delicious. A must-try!

                                      RU172118.jpg.rendition.largest.ss

                                        20. Lentil Soup with Beef and Red Pepper ($1.90 per serving)

                                        I can’t believe how cheap this meal is, especially for all the nutrients it contains. You can make a big pot on Sunday night and divide it into small portions to last you a whole week.

                                        RU202653.jpg.rendition.largest.ss

                                          21. Smoky Mushroom Stroganoff ($1.90 per serving)

                                          Craving pasta but not sure what to top it off with? How about smoky mushrooms with a twist?

                                          R131417.jpg.rendition.largest.ss

                                            22. White Bean Tuna Salad ($1.36 per serving)

                                            You can add this White Bean Tuna Salad in your sandwich or just eat it as-is for a quick lunch on a busy day.

                                            RU206151.jpg.rendition.largest.ss

                                              23. Sausage Eggwiches ($0.80 per serving)

                                              Who says you have to eat fast food to get an eggwich? This delicious recipe will give you an amazingly healthy eggwich for less than a dollar per portion. Can you say Breakfast?

                                              Advertising

                                              Sausage-Eggwiches

                                                24. Baja-Cali Black Bean Salad ($1.17 per serving)

                                                Great snack to add to a movie-night with friends. You don’t have to use chemically-processed salsas anymore, you can now use this homemade salad for your chip dips.

                                                Baja-Cali-Black-Bean-Salad-1024x682

                                                  25. Gnocchi, Sweet Corn & Arugula in Cream Sauce ($2.24 per serving)

                                                  Italians always knew how to make carbs look good! This delicious Gnocchi recipe will give your lunch a whole new meaning. Easy to make and only $2.24 per serving.

                                                  RU173796.jpg.rendition.largest.ss

                                                    26. Vegetable Lasagna ($1.73 per serving)

                                                    If you were looking for a healthy lasagna, you’ve just found it. At under $5 per serving, you can fill yourself up right away without putting on the extra calories.

                                                    R090413.jpg.rendition.largest.ss

                                                      27. Fajita-Ranch Chicken Wraps ($2.05 per serving)

                                                      Don’t know what to make for lunch this week? How about delicious chicken wraps with a healthy ranch? This recipe will make all your lunches, even the quick ones, healthy and colorful.

                                                      R105114.jpg.rendition.largest.ss

                                                        28. Quinoa with Pan Roasted Brussels Sprouts ($1.24 per serving)

                                                        A dish that has quinoa and brussel sprouts can’t be unhealthy, it just can’t, which is why this dish is one to keep in the books. Easy to make, healthy, and will keep you full for a long period of time.

                                                        Quinoa-Brussels-Sprouts

                                                          29. Butternut Squash Chili ($1.04 per serving)

                                                          You don’t need meat to make chili now that you have this recipe! It’s 100% healthy, filling, and smells absolutely delicious.

                                                          Butternut-Squash-Chili

                                                            30. Fast Shrimp Bisque ($2.03 per serving)

                                                            Seafood doesn’t have to be expensive if you know how to do it right, and this fast shrimp bisque is a great recipe to try if you’re in the mood for some seafood!

                                                            RU170895.jpg.rendition.largest.ss

                                                              31. Chicken-Noodle Casserole ($0.98 per serving)

                                                              Looks divine doesn’t it? This super easy to make dish will satisfy all your taste buds without burning a hole in your wallet or adding a few extra numbers on the scale.

                                                              Advertising

                                                              RU161399.jpg.rendition.largest.ss

                                                                32. Burrito Cups ($1.18 per serving)

                                                                Entertaining someone tonight and don’t know what to make as appetizers? These burrito cups are a great alternative to chips or other greasy finger foods. All you need to enjoy it is a spoon and a cup.

                                                                burrito-cups-1

                                                                  33. Lemon-Dill Shrimp & Pasta ($2.45 per serving)

                                                                  Another impressive shrimp recipe under $5 per serving. The lemon-dill twist adds a great taste to the dish.

                                                                  RU172115.jpg.rendition.largest.ss

                                                                    34. Potato Frittata ($0.87 per serving)

                                                                    If you want to eat potatoes for breakfast but still want it to be healthy, this is the recipe for you. At under a dollar per serving, this potato frittata will make you see potatoes in a whole new light.

                                                                    RU170901.jpg.rendition.largest.ss

                                                                      35. Grilled Pork and Pineapple ($2.67 per serving)

                                                                      Meat and fruits? Oh, yes. The juiciness of the pork mixed with the liquid sugar in the pineapple will make you wish you knew about it sooner.

                                                                      R104031.jpg.rendition.largest.ss

                                                                        36. Greek Honey-Lemon Pork Chops ($2.15 per serving)

                                                                        Another splendid recipe mixing sweet and salty for a healthy meal. Easy to make and absolutely mouthwatering.

                                                                        RU187523.jpg.rendition.largest.ss

                                                                          37. Jamaican Pork Stir-Fry ($2 per serving)

                                                                          You can add this healthy stir-fry to any dish as a side or amply enjoy it as-is for lunch or dinner. You can even make a wrap sandwich out of it if you’re in a rush to eat.

                                                                          RU170642.jpg.rendition.largest.ss

                                                                            38. Herbed Salmon ($2.49 per serving)

                                                                            Salmon contains a healthy dose of fats that will boost your metabolism, lower inflammation, and make you happier. At under $5 per serving, need I say more?

                                                                            R166367.jpg.rendition.largest.ss

                                                                              39. Five-Spice Pork Kabobs ($1.96 per serving)

                                                                              Exquisite recipe under $5 per serving that will most definitely awe everyone at your dinner party.

                                                                              R166368.jpg.rendition.largest.ss

                                                                                40. Stuffed Sweet Potatoes with Mango-Black Bean Salsa ($1.24 per serving)

                                                                                You don’t have to eat sweet potatoes alone anymore with this flavorful recipe.

                                                                                stuffed-sweet-potatoes

                                                                                  Featured photo credit: Featured Photo Credit: 5 Dollar Dinners via 5dollardinners.com

                                                                                  Read Next