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1. Keep a list of your credit card numbers, expiration dates, and the phone

numbers of all card issuers in a safe place.

2. Credit card issuers offer a variety of terms (annual percentage rates, methods

of calculating balances subject to finance charges, minimum monthly payments,

and actual membership fees). When selecting a card, compare the terms offered

by several card companies to find the card that suits your needs.

3. When you use your credit card, watch your card after giving it to a clerk. Take

your card back promptly after the clerk is finished and make sure the card is

yours.

4. Never sign a blank receipt. Draw a line through any blank spaces above the

total when you sign receipts. Tear up the carbons when you take your credit card

receipt.

5. Open credit card bills promptly and compare them with your receipts to check

for unauthorized charges and billing errors.

6. Write card issuers promptly to report any questionable charges. Written

inquires should not be included with your payment. Instead, check the billing

statement for the correct address for billing questions. The inquiry must be in

writing and must be sent within 60 days to guarantee your rights under the Fair

Credit Billing Act.

7. Avoid giving your credit card number over the telephone unless you know the

company is trustworthy. Never write your card number on a post card or on the

outside of an envelope.

8. Sign new cards as soon as they arrive. Destroy expired cards. Cut up and

return unwanted cards to the issuer.

9. If one of your credit cards is missing or stolen, report the loss as soon as

possible to the card issuer. Check your credit card statement for a telephone

number to report the stolen card. Follow up your phone call with a letter to the

card issuer. The letter should contain your card number, the date the card was

missing, and the date you reported the loss.

10. If you report the loss before a credit card is used, the issuer cannot hold you

responsible for any subsequent unauthorized charges. If a thief uses your card

before you report it missing, the most you will owe for unauthorized charges on

each card is $50.

 

 

For more information contact Attorney General Jeff Landry’s Consumer Protection Section at 800-351-4889 or www.agjefflandry.com