Fraud can take many forms, from financial fraud to identity theft, and it can happen to anyone at any time. It may well be that you have already experienced fraud of some type or another, but you might not have been aware of it at the time. Although the thought of having your finances or identity stolen is scary, there are things you can do to protect yourself and your personal information.
What to do if You Get Scammed?
If you feel that you have had your personal information stolen, or you have lost your credit or debit card, then there are a few things you need to do. Firstly, you need to contact your bank to get the cards stopped and to have a new PIN number issued. It is also a good idea to change your password on your online banking just in case. Scammers are getting increasingly sophisticated, and they may leave a digital trail to your doorstep, if this is the case, you need to notify the police and give them as much information as you can. It may be that lawyers will need to become involved, so click for more information about how they work, as getting the right representation is critical.
Know the Warning Signs
There are many types of scams out there that are designed to get you to part with your personal information. Some of them are simple, while others are elaborate, but they are all dangerous. It is important that you get to know what some of these scams do to work. There are many resources that will offer advice on the current methods being used, although you should also know the basics such as banks do not ask for your card numbers or any account details.
Don’t Give Out Personal Information
You will never be contacted by your bank and asked for your account details. They will always have passwords and other forms of security to verify who you are. The same applies to emails, text messages, and websites. There have even been occasions where social media such as Twitter have had fake bank help accounts that try to get information from those asking for help. If you are on a website that is requesting your card details for payment, there should always be HTTPS at the front of the URL, if there isn’t then the site is not secure, and you should avoid entering any details.
Change PIN Numbers and Passwords
You probably haven’t changed the PIN number on your credit or debit card for a while. The same probably goes for passwords to your banking account. By trying to change this information regularly, you can avoid anyone using your account if they happen to discover your security information. You should also change them if you suspect anyone has discovered your information, it is also vital that you tell your bank.
By keeping vigilant and not being afraid to ask questions when you are suspicious, you can avoid some of these scams that take advantage of the unsuspecting public.