Protect Yourself From Credit Card Criminals

By Nick Makaryk

Nowadays the criminal element is always out there looking for someone, to try steal one's identity. These very criminals want credit card information so they can run up the charges then leave you holding the bags with nothing to show for it. Even though some are local, most credit card criminals are in far away lands. Worse than that, they like to hide or go by other names so it's virtually impossible to track them down.

The most common way for criminals to get credit card information is through phishing, which involves a fake email that appears to be sent from your credit card company. Normally, this fake email states that there was an error with your account, or that it was accessed by unauthorized personnel and needs your attention.

Spotting fake emails isn't hard to do - as long as you know what to look for. The most obvious hint for most is the fact that you don't even have a credit card from the company that has sent the email. For others, the link is what gives the fake email away. Anytime you get an email from a credit card that you believe to be fake, you should always hover your mouse over the link, then "right click" the link with the mouse and select "view source". If the link is indeed fake, the website address that comes up will be something other than that of a credit card company.

Many people are unaware of this method, although it is a standard feature of any email program. The fake emails will have links to a spoofed version of the credit card company's website. These will look nearly identical to the actual site, including the use of company logos and other design elements.

It is very easy to duplicate a website, even the novice criminal can do it. By using the mouse and right click method, you can obtain the criminals real website address. It is important to remember that using this method is not totally safe. It can be used to infect your computer with spyware or viruses. It is better to avoid it altogether and just delete the email.

Many people fall victim to these scams every year. Once you have entered your personal information, you are a victim. The information is all the criminals want, and when you supply it, you have given them carte blanche to ravage your accounts and your life. Once they have your credit card and social security number, they can use it in any way that they can think of.

For them, this means a vacation or some expensive shopping - for you, it could mean financial ruin!

It is ultimately up to you to protect yourself. If you receive a suspicious email regarding your credit card account, it is recommended that you call the credit card company on the telephone and discuss it with them. Do not use the telephone number in the email. Instead, find a statement and use the customer service number that is printed on that.

There are always criminals out there, which is why you should always be on guard. Criminals want your personal information and your credit card numbers - it's up to you to ensure that they don't get it. A criminal will do anything to get what they want, which is why protecting yourself is so very important these days.

Article Source: http://www.articlehighlight.com

Nick Makaryk: Editor, Publisher, and Founder of Best Credit Cards. A Free Consumer Credit Card Comparison site helps consumers find the right credit card while avoiding high interest rates, charges, and no fees. Compare 0% Interest Credit Cards from Visa, Master Card, Discover, American Express.