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How do I protect my credit card against fraud or theft?

These tips are important and universal:

Sign your card as soon as you receive it!
When you use your card at an ATM, enter your PIN in such a way that no one can memorize your keystrokes.

Don't leave your receipt behind at the ATM. Your PIN and account number from a discarded receipt could make you vulnerable to credit-card fraud. Also, don't throw out your credit-card statement, receipts or carbons without first shredding them!

Never give your credit-card number over the telephone unless you initiated the call.

Even when you place the call to a legitimate merchant, never give out your card number over a cordless phone. One common scam is when someone calls you "back" right after you place an order, claims to be from the merchant and tells you that there was a problem with your card number, so would you mind giving it to them again? The safest thing to do is to ask them to read out the number they have, and then change any incorrect numbers.

Ignore any credit-card offer that requires you to spend money upfront or fails to disclose the identity of the card issuer.
Make certain you get your card back after you make a purchase (one good habit to observe is to leave your wallet open in your hand until you have the card back). Also, make sure that you personally rip up any voided or cancelled charge slips.

Always keep a list of your credit cards, credit-card numbers and toll-free numbers handy, in case your card is stolen or lost.

Check your monthly statement to make certain all charges are your own, and notify the card issuer of any not-errors or unauthorised charges immediately.