Holiday Spending: How to Keep Your Personal Information Safe
Holiday spending can be a wonderful time. We shop for our loved ones, friends, co-workers, and associates. Finding just the right gift and paying by credit card. Then, Ouch! Your credit card is declined. You know you haven't exceeded your credit limit, and the clerk can't tell you anything. How frustrating.
Now begins the trek to uncovering the reason for the error. Calling the credit card company results in the discovery that some else has been using your credit. How could this have happened?
We often become lax when we go shopping. And holiday time is a busy time for shoppers as well as retailers and thieves are prowling for the opportunity to take your information.
In busy stores, rushed sales clerks and crowded lines we can loose track of our credit card or easily give shoulder surfers the information they want. In the midst of all the distractions we become a victim of identity theft.
Take the time this year to protect your information. Pay closer attention to transactions and watch out for thieves causing distractions.
* Shoulder Surfers. Pay attention to people who are standing close in your space. If you are using a PIN pad at a store, guard your information. Block the other persons view with your body and your hand. If you are using an ATM, pay attention to anyone who is too close for comfort. Put your body between them and the ATM. If you haven't started your transaction, step aside and let the other person go first.
* Check the store's receipt. When the clerk hands you the charge card receipt for your signature, look at the copy you are signing-this is the copy the store will keep. Is your entire credit card number printed on it? If so, mark out all but the last five digits. If you leave the entire number on the receipt it is possible that a thief can copy the entire receipt, and on it is your full name, card number and signature. The store only needs the last 5 digits for reference, not the entire number.
* Sales Clerks on the Phone. When making your purchase, don't hand your credit card over to a clerk who is on the telephone. Your card information could be relayed to another person.
* Unorganized Sales Clerks. Sales clerks who seem overly rushed or unorganized could be using that to cover up the way they are copying your credit card information. Copying your card information by hand or by a skimmer. If the clerk seems too busy, wait until he/she is finished before handing over your credit card.
* Keep sight of your credit card. Don't let anyone walk away with your credit card. This is common in restaurants. The wait staff will take your payment and return with a receipt. What happens with your credit card while it is out of your sight? You'll never know. Pay with cash or accompany the wait staff to the register than hand over your card. Stay with your card until the transaction is completed.
* Watch for skimmers. Skimmers are used to record magnetic information. They can be hand held, attached to a belt or attached to an ATM or gas pump. When you use an ATM or gas pump, look for anything that looks like it's attached or not part of the original equipment. Attached skimmers will let you complete your transaction but will also copy your information for the thieves to use later.
* Writing a Check. If you write a check, the clerk may ask you for identification. This is normal. What is not normal is for the clerk to write down your identification or information. They should not write it down on your check, or anywhere else. They are only allowed to look at it to verify you are the person named on the check. Always remember the clerk cannot write it down, anywhere.
* Junk Mail & Pre-Approved Credit Offers. Holiday shopping is filled with flyers, advertisements, pre-approved credit and offers of increasing credit limits. Don't let these get into the hands of mail thieves. Pick up your mail daily. Shred anything that has your name on it, not just pre-approved offers.
* Watch for Statements. With more mail delivered during the holidays, you may not be aware that your bank or credit card statements did not arrive. Know when to expect them and watch for them. Check your charges with against your statement. Notify them as soon as you suspect unauthorized activity.
* Charitable donations. This time of year charities can be found everywhere. Make sure you know who you are donating to. Imposters may set up legitimate looking collection points. If you want to donate find out a local contact and make your donation directly. Don't make a donation by check or credit card if you are not familiar with the person or organization.
* Parties. Holiday parties can be fun. It can also be a means for people to have access to your personal information in your home or at the office. Unlocked file drawers, documents or statements lying out on a desk, and outgoing mail can be an easy source for a thief to pick up. With party activities going on around you, you may not even notice someone slip into your office to steal information.
Steps to guard our information should become second nature. It takes some getting used to because we have to change our thinking. Even though we want to trust people, we should be suspicious of everyone. Over 50% of reported identity thefts have been committed by someone the victim knew. Family, friends, co-workers, service people, sales clerks or associates could all be potential thieves if given the right circumstances.
The holidays can be happy and hectic. Don't let your guard down or provide thieves with easy access to your information. Keep your identity safe this holiday season.
Cindy Graham is author of the book, "Who Else is You?" In it, she outlines strategies on how to reduce the risk of becoming an identity theft victim. An expert who has studied current identity theft trends, Cindy understands the risks of business owners and consumers when it comes to the exposure of personal information. For more information on her speaking, consulting or book, please visit: http://www.whoelseisyou.com or call: 970-285-1581 or Cindy@EasyAs123.biz
Latest News
 ABC News | Early Sales May Not Mean Strong Holidays, Group Says (Update1) Bloomberg - 1 (Bloomberg) -- A post-Thanksgiving bump may not be enough to rescue what might be the worst holiday season for US retailers in six years. ... Holidays still a boon for Alaska retailers Black Friday Results: Holidays off to a Good Start Shoppers Search Out Black Friday Deals |
Animoto brings the holidays to video CNET News, CA - According to the company, the new holiday feature will use a snowscape to set the scene for the greeting and with the help of its new text feature, ... Animoto Announces Animoto Holiday Greetings; Video Creation Site ... |
Extra Cash for the Holidays or Anytime With the Launch of Diamonds ... MarketWatch - Extra cash just in time for the holidays or anytime has never been so easy, with the online system put in place by the subsidiary of Gold & Diamond Source ... |
ReliaTech Rings in Holidays With Deals for Its Bay Area Customers MarketWatch - This holiday season marks the accomplishment of several goals at ReliaTech. "We are especially gratified to have had such a successful year, as ReliaTech's ... |
 NECN | E-tailers expect 8% bump for holidays Atlanta Journal Constitution, USA - By Bob Keefe If there’s any good news for retailers this holiday season, it may be online. While retailers brace for declines in sales at traditional ... Video: Online Retailers See Monday As Black Friday Online spending forecasted to be flat through Holidays Cyber Sales Mark 2nd Launch Pad for Holidays |
 BBC News | Holiday firms prepare for package tour slump by slashing summer ... guardian.co.uk, UK - Chief executive Manny Fontenla-Novoa said deep industry-wide cuts in the number of holidays offered in Britain, combined with the collapse into ... Thomas Cook confident consumers will still go on holiday Travel Firm Hot Prospects Thomas Cook reports profits rise |
Just in time for holidays, top chefs release tomes San Francisco Chronicle, USA - With people returning to the kitchen to save money, these recipe and reference books make ideal gifts for the holiday season. ... |
Hero Astronauts Offer Out-Of-This-World Club for the Holidays MarketWatch - Unlike other 'flavor-of-the-month' services, the Astronaut Autograph Club makes for the perfect gift that will be long-treasured after the holidays and for ... |
Cellular South Welcomes HTC Touch Diamond in Time for the Holidays MarketWatch - RIDGELAND, Miss., Dec 02, 2008 /PRNewswire via COMTEX/ -- Cellular South, a leader in wireless solutions and innovation, today announced the availability of ... |
AMA Phoenix Invites Valley Residents to Celebrate the Holidays at ... MarketWatch - -- Good music -- Piping hot hors d'oeuvres -- Fine wine from around the globe. There will be a wine-tasting of three- to-four specially selected varieties. ... |
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