Technology these days are getting more advanced, mobile, convenient and useful. Unfortunately the same problems we had with yesterday’s technology, we still have today. Our personal information is sprawled through every sector of our computer’s hard drive. This means that if it is in the wrong hands, our information can be used for just about anything. One of the biggest issues is credit card fraud. This has been a problem for many computer owners when hackers and con-artists get their greedy hands on our personal and financial information. However, there are steps you can take to help protect yourself from computerized credit card fraud. Here are 5 tips to keep yourself and your credit protected.
Never Give Out Information:
This is a tip that seems like common sense, however, many computer users give too much information to the wrong person. Protect yourself by not giving out your passwords, account information, credit card number, or any other personal or financial information to anyone. No matter how much you trust them; there runs a risk that this information can fall into the wrong hands.
Use Only Protected Sites:
There are millions of websites out there. Some of these sites are less than safe. Your web browser has a way to tell you if the site you are on is protected or not. Use only sites that show it is protected and secure. This is commonly indicated by an image of a locked padlock either on the bottom of your browser page or the top of the page in the address bar. This lock indicates the site is on a secured server.
Do Not Send Information Through E-Mail:
E-mail scams have become very popular. The reason for this is because it is effective. By sending out mass e-mails, impersonating a reputable and well known company, and asking for personal information, these con-artists are able to gather what they need. Many companies will never ask for your personal information through e-mail due to the low security. If you receive an email asking for your personal or financial information, discard it. If it is from a company you are familiar with contact that company and ask them questions about it. Even if they did not send the e-mail, they can warn their current customers about the scam.
Be Careful on Public Networks:
There is no doubt that the convenience of surfing the internet at your favorite coffee shop is a fantastic luxury. However, you still have to be cautious when you are using an internet connection that is shared by others. The latest method thieves are using is creating an identical webpage as the one you bank with. As you go to your normal bank website and enter in your login information, you could be logging into a dummy site and giving away access to your account and your money. Do not do any banking or credit card applications on a public connection.
Clean Out Your Computer:
One thing many people forget is cleaning out their computer when they sell it. Even if you believe your information is erased, it stays on your hard drive until it is written over by new data. Hackers are then able to retrieve these deleted files and your personal information. Use a program that wipes it out and writes over the information.The best option for when you sell your computer is to remove the hard drive all together. Hard drives are reasonably priced these days and if your customer is really interested in buying your computer, they will be willing to replace the hard drive. You may lose a couple of customers who want the hard drive with it, but that is a small price to pay to keep your banking and credit card information safe. Technology is running our world today. We are always in the presence of a technological device that makes our lives easier. If you are a computer user and take advantage of the convenience computers offer, then take the steps to keep your financial information protected.
Terri Miller is a financial advisor who frequents CreditCardCompare.com.au’s consumer reviews website for information on instant approval credit cards for her clients.