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What did you learn about the topic that most surprised you

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Different types of Credit Fraud [Picture #3]

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Different types of Credit Fraud [Picture #3]

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Ways your card can be stolen and which are more likely. This link was helpful because it is a good visual representation of the way you can get scammed. Good to know that you are most likely to get your card stolen online so be wary of sketchy websites.

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Welcome to our Credit / Debit fraud website. 

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Welcome to our Credit / Debit fraud website. 

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Here you will find interesting information on:
-How you could get your credit/debit card stolen
-The best ways to prevent fraud from happening to you
-And what you should do once you realize your in danger of fraud.

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So what if your card is already stolen, despite all of the useful prevention information we have covered? This website gives an in depth, step by step instructions of what you should do from the moment you realize a fraud is being committed. This link was chosen because it was the most descriptive instructions that weren't bank specific. The whole list was very useful and you should follow all of the instructions in order if your information has been stolen.

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You might have just found out that your credit card number may be compromised. Target reports that up to 40 million customers may have had their names, card numbers, expiration date and security code stolen via hacked credit card checkout scanners. Here's how to find out if you're one of them, and what to do next.

After yesterday's rumors that hackers had swiped Target customer credit card information on...
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Step 1: Find out if you're affected

In Target's case, anyone who shopped in a brick-and-mortar store in the US between November 27th and December 15th is potentially at risk (the company says Target.com shoppers were not affected). If you set foot in a Target store during that time, check your credit card statements immediately, and call your credit card company for good measure - even if your account hasn't got any weird charges on it, your company may offer to cancel your card and issue a new one just to be safe. If you do find charges you don't recognize, you've got some homework to do to ensure you're not held responsible for the costs.

Step 2: Contact your credit card company

If your statement has fishy transactions, immediately contact your credit card's 24-hour toll-free emergency number printed on the back of your card (keep this number in your phone in case your card itself is stolen). If your card number was stolen, but you still have the card, you won't be held liable for any unauthorized charges. If your actual card was stolen, you may be responsible for up to $50 on a credit card, or much more on a debit or ATM card, based on how long it takes you to report it missing. Federal law says you can't be held responsible for charges made after you report a lost card, so speed is key.

Once you've contacted the credit card company, they'll have a bunch of steps for you to complete; these differ from company to company, and you should follow them closely. If you want to be thorough, follow up with a letter or email. Indicate your account number, the date and time you discovered your card was compromised, and when you reported the loss. Keep copies and send the letters by certified mail. You want a hefty paper trail.

If your account hasn't been used for bad deeds yet, the previous steps should be enough to keep you safe. But if a scammer has already done some damage, you've got to fight fire with fire.

Step 3: Put a fraud alert on your credit report

A fraudulent spending spree can wreak havoc on your credit report. Call one of the three national credit reporting companies, tell them you're a victim of identity theft, and ask for a fraud alert to be placed on your credit report. It's free, and the company you contact will alert the other two. Here's who to call:

Step 4: Check your credit report

The initial fraud report lasts 90 days, and entitles you to one free credit report from each of the three credit companies. Order your reports, and ask that the company only show the last four digits of your Social Security Number on the reports. Look for accounts in your name that you did not open, or charges for purchases you did not make. If you find either, follow the Federal Trade Commission's guide for repairing your credit after identity theft, and move to Step 5.

Step 5: Create an Identity Theft Report with the Federal Trade Commission

An Identity Theft Report is your golden document. If a scammer tries to open a new bank account, apply for a credit card, or make fraudulent purchases using your name, the Identity Theft Report helps you prove that it wasn't you. An Identity Theft Report is made of two parts: an Identity Theft Affidavit from the FTC ( which you can complete using this link) and a police report. Here's the complete checklist of what you'll need and who you should contact.

Step 6: Continued vigilance

If you've done all this and you're still dealing with the repercussions of identity theft, you'll need to call in the big guns, including extended fraud alerts and credit freezes on your credit reports. Folks who find themselves in this unfortunate position should follow the FTC's step-by-step guidelines on what to do next. It's no picnic, but it's thorough, and your best defense against the long-term havoc a scammer can wreak on your credit and finances.

If you're quick, attentive, and lucky, hopefully you'll catch any fraudulent activity in its earliest stages, and you won't have to go through the long and arduous process of righting a scammer's wrongs. But if you find yourself on the wrong end of a scam, don't waste your time: head straight to the Federal Trade Commission's website and start clearing your name.
Image: Shutterstock / luchunyu

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Credit Card Stolen? Don't Panic. Here's What to Do

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You might have just found out that your credit card number may be compromised. Target reports that up to 40 million customers may have had their names, card numbers, expiration date and security code stolen via hacked credit card checkout scanners. Here's how to find out if you're one of them, and what to do next.

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Credit card fraud is not only an issue for the cardholder, but also for the credit card companies themselves. If a fraudulent charge is made, the money spent doesn't just disappear, someone will have to take the loss. Companies don't like to do this, therefore a number of fraud detection methods are in place to ensure fraud is caught as soon as possible. This video describes those methods. This video is useful because it explains how and why your card company is keeping you safe.

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How Do Credit Card Issuers Detect Fraud? - Credit Card Insider

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Today's question is: How do credit card issuers detect fraud? Ask us your credit questions in the comments and find your next card at https://www.creditcardinsider.com/ Have you ever used your credit card out of town and received a phone call or email from your card issuer, asking about your recent purchases?

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So what are these methods that companies take in order to protect your information? This website describes ways that credit card companies prevent fraud, detect fraud and some new technology that would be even more efficient at doing this. This website was chosen because its very in depth and gives a lot of real life scenarios that could relate to your problem. One useful part of this video was how it explains some ways to prevent false fraud warnings with your own company.

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This is an example of what a credit card skimmer looks like. They are hidden in plain sight and take a trained eye to detect one.

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The following is a picture found on a fraud website giving some simple steps to avoid credit and debit card fraud

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While 99 perc cent of debit / credit card transactions go through without a problem 15 does not. This website talk about everything from what debit card fraud is to what your bank is doing to prevent fraud from happening.

This website completely summarizes Credit / Debit fraud. It starts with talking about how to identify it and then continues to talk about what your bank is doing to prevent it from happening and what to do if it happens to you.

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How to protect yourself from debit card fraud

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Examples of debit card fraud and tips to avoid becoming a victim.

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Prevent Fraud [Video #2] (Credit Card Skimmers)

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Prevent Fraud [Video #2] (Credit Card Skimmers)

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One of the most common ways people are scammed is through credit card skimmers. A skimmer is a device that is put over an existing card reader on an ATM or bank machine and it will read your card information. A small camera then records your pin number and within a few hours your bank account is cleaned out. A way to prevent this is to tug on the card reader to ensure it is not fake. Also cover your pin when entering it into the machine.

I chose this link because credit card skimmers are a leading cause of fraud and everyone should understand the importance of looking out for them.

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How to spot and avoid credit card skimmers

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More thieves are getting accesses to credit cards using what are known as "skimmers." ◂ 41 Action News, KSHB, brings you the latest news, weather and investigative reports from both sides of the state line. We are Kansas City's Breaking News leader, bringing you the area's most accurate forecast and the latest sports coverage from KC's best team.

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The following video talks about what not to do when transfering money. Some of the biggest frauds are created through the internet. Some want to you send money. Some will send you a check, tell you to deposit it and return a certain amount and some people will lie to you. You need to be careful when sending money.

I have chosen this link because sending money over the internet is now a daily pracitice for some people. It is also a new thing and it is important to understand and know what some of the scams that people have come up with.

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How to Prevent Fraud & Fraud Prevention | MoneyGram