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Five ways to help protect yourself from credit card fraud when you’re just getting started

Fraudsters prey on young people because they believe this group is more likely to say “yes" to something that looks exciting, fun, and affordable. Here are five things you can do to help protect yourself from being a victim of credit card fraud:

Check your statement regularly to prevent credit card fraud

1. Check your statement at least once or twice a week.


Accessing your account online is a great way to stay up to date on recent charges and monitor your account for irregular activity. If you see anything suspicious contact your card provider immediately. With the Amex Mobile App, you can check your transaction history on the go, and at your own convenience. 

Be alert when buying online to prevent credit card fraud

3. Be extra careful when buying online.


Services such as American Express Checkout offer a fast but secure way to pay online. American Express® Card Members can also sign up for transaction alerts, online or via the mobile app, to be notified when their Card has been used for an online purchase.

Keep your personal details in safe place to prevent credit card fraud

2. Don't give out your details.


Keep your sensitive personal information such as bank, mortgage, and credit card statements, Social Security cards, and other documents and passwords, in a safe place (accessible to only you), both at home and at work. Shred these documents before discarding. If you’re contacted by someone asking for this information, simply refuse and get in touch with your bank or card issuer immediately.

 

Be creative when creating password to prevent credit card fraud

4. Be creative with your password and PIN.


When creating your User ID, password and personal identification number, avoid using easy-to-find information such as your date of birth, or the last four digits of your Social Security number. Create a password or PIN that’s significant to something in your life and which other people can't guess, like your first pet combined with your age or your first grade teacher’s name spelled backwards. Be imaginative!

5. Finally, if an offer looks too good to be true, then it probably is.


Amazing deals, promises of lottery wins, and opportunities to earn a fast buck are usually how scammers try to get your card details, so just ignore them!

American Express has more information to help you stay safe online, including information on how we protect you so you can shop with confidence.

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