So you went shopping for the holidays and now you found that your debit or credit card number has been exposed in a data breach. The problem is you can be vulnerable to this type of fraud whether you are shopping online or in person. Here is a checklist provided by the Federal Trade Commission of what to do if your debit or credit card number is compromised:
- Contact your bank or credit card company to cancel your card and request a new one.
- Review your transactions regularly. Make sure no one misused your card. If you find fraudulent charges, call the fraud department and get them removed.
- If you have automatic payments set up, update them with your new card number.
- Check your credit report at https://www.annualcreditreport.com/index.action.
Do not throw good money at stolen accounts.
Your credit may be compromised if an ID thief gets your personal and/or financial information. Protect your credit by addressing any form of identity theft. For other checklists on various types of information exposure, go to the Federal Trade Commission’s website at https://www.identitytheft.gov/info-lost-or-stolen.html.