5 tips for protection against identity theftThis is that time of year when we all start
to receive those emails that want to filter our secret codes and passwords.
You know the ones that have the subject: “Your account is going to be closed”,
“There is a block on your account”, “You could help me request my funds”,
or my favorite of all time “Congratulations – You” I won the UK lottery. “
This is the time of year when we are all buying gifts for family or clients and the last
thing we need is that our bank or credit card account is hindered.
This is exactly what these “cyber Gibraltar” count and unfortunately some of us are tempted to follow the instructions sent to investigate.
First of all, DO NOT FOLLOW INSTRUCTIONS IN THE E-MAIL!
If you think there may be a problem, access the account in question as you normally do
on your PC and not with the link provided in the fake email.
I received some very likely-looking emails from the banks, which went so far as to copy the colors of the bank’s logo and stationery style.
But, do not fall for the scam. In fact, do not even open the email because many are
simply set to lose an antivirus program on your computer by opening it.
Simply forward the suspicious email to the “spoof email” address provided by your bank or credit card company.
Nearly 10 million Americans fell prey to identity theft last year, costing businesses
and individuals billions of dollars. Here are some suggestions to help you:
Understanding the dangers of debit cards: more credit card liability.
When it comes to fraud, debit cards have a much greater personal responsibility
than credit cards, depending on how quickly the card is reported.
If you do not report unauthorized use within 60 days of receiving your bank statements,
you may lose all the money in the account and be held responsible for the amount
of money that has been withdrawn from your credit line.
He re-checks the writing: that little piece of paper has too much information.
Some experts advise against writing checks because they provide their address, bank account number, signature and license number to complete strangers.
Also, there is no federal legislation that limits your responsibility for false checks (each state has its own set of rules). Experts advise to examine the automation of payment of invoices.
Protect your mail: your mailbox is a goldmine of information.
Between bank statements, invoices and all pre-approved credit card offers,
your inbox is loaded with personal information that identity thieves can use to easily request a credit card in your name. Unless you diligently check your credit report, you may not even know it.
One way to avoid it is to have your mailbox locked up, but most of us in Santa Clarita have our mailboxes on the sidewalk in front of our house and the postman frowns to
carry dozens and dozens of keys in around.
The other solution is to have a rented mailbox, or to foil “garbage-trash” thieves by
buying a paper shredder and destroying documents before discarding.
Go virtual: for online shopping, there are “virtual” card numbers.
These are randomly generated credit card numbers that are disposable and that online
shoppers use once and throw away. It’s connected directly to your real credit card account, so purchases are shown on your monthly bill. The service is easy to use – and it’s FREE!
All you need to do is register with the companies that offer the virtual card, and they are MBNA, Discover and Citigroup.
Create an emergency identity kit: would you know how to contact your credit card company in case of an emergency? Create an emergency kit that includes:
your account number, expiration date, the name of the issuing company and the
emergency contact number for each card you own.
While you’re at it, make copies of your driver’s license, social security card,
birth certificate and passport and store them in a box or locker, or in a safety deposit box.
I like the safety box more, because this gives you protection in case of disasters such as fires, earthquakes, etc.
This may seem like a useless job, but if you’re a victim of identity theft, even once, you realize it’s worth it.
Many of us forget that if it were not for what we carry in our wallets
ما هى VAPULUS ؟
VAPULUS هي وسيلة دفع وتسويق عن طريق الهاتف وأقوى مزوّد حلول مدفوعات في الشرق الأوسط و جنوب افريقيا،
تقوم بتزويد الخدمة لكلا من رواد الأعمال والأفراد واضعين نصب أعيننا توفير
تجربة دفع رائعة للتاجر المصحوبة بمميزات التسويق الرقمي والتحليلات، حيث تتنوع وسائل الدفع الرقمي،
فإن نظام التشغيل يقبل بطاقات الصراف الآلي وبطاقات الإئتمان و المحافظ الرقمية علي حدٍ سواء،
مما يتيح الفرصة لتوفير خدماتنا لفئة الغير متعاملين مع البنوك بحرية.
تطبيق VAPULUS عبر الهاتف يمنح مستخدميه إمكانية الشراء عبر الانترنت والشراء من داخل المحال التجارية
ودفع فواتيرهم بالطريقة المفضلة لديهم من خلال الهاتف أو الجهاز اللوحي أو الحاسب الشخصي.