Credit card fraud is the unauthorized use of a credit or debit card, or similar payment tool to fraudulently obtain money or property. Credit card fraud takes place every day in a variety of ways. You can’t always prevent it from happening, but you can create some obstacles and make it tougher for someone to get hold of your cards and card numbers. Treating your credit cards and account numbers like cash - that is, very carefully - is one way to head off potential misuse.
How Does Credit Card Fraud Happen?
Theft, the most obvious form of credit card fraud, can happen in a variety of ways, from low tech dumpster diving to high tech hacking. A thief might go through the trash to find discarded billing statements and then use your account information to buy things. A retail or bank website might get hacked, and your card number could be stolen and shared. Perhaps a dishonest clerk or waiter takes a photo of your credit card and uses your account to buy items or create another account. Or maybe you get a call offering a free trip or discounted travel package. But to be eligible, you have to join a club and give your account number, say, to guarantee your place. The next thing you know, charges you didn’t make are on your bill, and the trip promoters who called you are nowhere to be found.
What Can You Do?
Incorporating a few practices into your daily routine can help keep your cards and account numbers safe.
Other fraud protection practices include:
Report Losses and Fraud
Crime Watch – Crime Prevention Specialist
Indianapolis Metropolitan Police Department – North District
605 E Westfield Boulevard, Suite 100
Indianapolis, IN 46220
Office: (317) 327-3781
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