Identity theft is a growing concern, despite the high-tech attempts companies are making to help prevent it from happening.  It used to be that you’d only have to nag about identity theft whether you were crazy ample to throw away documents without shredding them first.  whether Joe the identity-thief was rifling through the dumpster, he’d be able to take those documents and run with them… literally, and start charging things in your name.

Now though, our knowledge is stored all by the place.  Retail store databases, websites where we’ve created accounts and made payments for items, or where we’ve entered our personal data in order to receive payments for work completed.  Every moment we swipe a credit card or debit card, we’re giving someone the ability to steal or identity.

 Most humans don’t even think about identity theft though.  After all, credit card data is transmitted by secure networks and for the majority of people- it’s not gonna happen.  Many credit cards help keep us secure though, and when you’re looking for credit cards, the best thing you can do is look for that, all-important feature: 

No Liability for Unauthorized Charges.

In fact, form certain that the credit cards you are currently using have that feature.  It means that whether someone steals your card, or the waitress takes down the info before handing back your credit card and use it to go shopping after her shift on her favorite website- you won’t be responsible

Another feature to look for to help protect your precious identity is lost and stolen card reporting… with a 24/7 customer service line that lets you shout and tell them your credit card has been stolen or lost so they can stop transactions before they occur on the lost card(s) - and even issue you a new one right away that can be used.

Most cards require that you inform them as soon as you see the unauthorized charges on your statement- so construct certain you are checking your monthly credit card billing statements closely to be certain the charges are all the ones you’ve authorized.  But as distant as your card offers that protection, you can feel comfortable using your cards and knowing that Joe (or any other thief for that matter) can’t form you pay for their crime.

Here are a few cards that advertise the no liability for unauthorized charge benefit (most of the credit cards have it now, but that should just help you get started finding the ones that offer it without a doubt!)

• United Mileage Plus Signature Visa Card

• Amazon Platinum Visa

• Speedway SuperAmerica Platinum MasterCard

• Chase Student Flexible Rewards Card