Difference between revisions of "Getting a Credit Card"

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==Protect yourself!==
==Protect yourself!==


===The steps involved===
===Step 1. Keep a record of your account numbers===
We offer tips to prevent problems.
 
'''Step 1.''' Keep a record of your account numbers
 
'''Step 2.''' Don’t lend your card to anyone
 
'''Step 3.''' Shred credit cards you’re finished with
 
'''Step 4.''' Guard your credit card number
 
'''Step 5.''' Check your bills often
 
'''Step 6.''' Report questionable charges
 
===More on each step===
'''Step 1. Keep a record of your account numbers


Find a safe place for your credit card account numbers. Write down the expiration dates on the cards. Keep the toll-free customer service number handy in case you lose your cards.
Find a safe place for your credit card account numbers. Write down the expiration dates on the cards. Keep the toll-free customer service number handy in case you lose your cards.


'''Step 2. Don't lend your card to anyone
===Step 2. Don't lend your card to anyone===


Under the law in BC, your liability for a lost or stolen card is limited. That usually means you’re protected. But if you give your card and PIN to someone, you lose this protection.
Under the law in BC, your liability for a lost or stolen card is limited. That usually means you’re protected. But if you give your card and PIN to someone, you lose this protection.


'''Step 3. Shred credit cards you're finished with
===Step 3. Shred credit cards you're finished with===


Shredding your bank statements when you’ve read them is also a good idea.
Shredding your bank statements when you’ve read them is also a good idea.


'''Step 4. Be careful about giving out your credit card number
===Step 4. Be careful about giving out your credit card number===


Don’t give out the number over the phone or online until you’re certain you’re dealing with a reputable company. If the company’s new to you, search for complaints against it online before you buy anything.
Don’t give out the number over the phone or online until you’re certain you’re dealing with a reputable company. If the company’s new to you, search for complaints against it online before you buy anything.


'''Step 5. Check your bills often
===Step 5. Check your bills often===


Review your credit card bills as soon as you get them. If you use online banking, check your account frequently.
Review your credit card bills as soon as you get them. If you use online banking, check your account frequently.


'''Step 6. Report questionable charges
===Step 6. Report questionable charges===


If there are any charges on your statement you think might be fraudulent, contact your card issuer right away. They can put a fraud alert on your card and prevent any more charges.
If there are any charges on your statement you think might be fraudulent, contact your card issuer right away. They can put a fraud alert on your card and prevent any more charges.
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