My worst fear: having my bank account information stolen. It REALLY happened to me! I always thought I was invisible, or that I was super safe with my information…but the truth is, it can happen to anyone! Did you know that there are 32 data records of bank/credit information stolen EVERY SECOND? Crazy!
The thief took to Neiman Marcus, Sephora, and Macy’s with MY information and had a shopping spree! Luckily, my bank reassured me I would not be responsible for any of the charges – a whopping $500!! – or any of the damages to my account, whew! This got me thinking though, how safe am I… really? What can I do to keep my information safe? What options do I have as a consumer?
Use Credit Cards For EVERYTHING!
We’ve talked about this before here at Deal Detecting Diva, and I will repeat it. Using Credit Cards for daily purchases is much safer way to pay than using a debit card! Between building credit, cash/point rewards, and of course, identity theft, we point out the top reasons to use credit cards for everything. One advantage is that a thief only has so much room on a credit card… your bank account could be endless if you don’t monitor it closely and you reap heavier damage to your money and wasted time.
Use Paypal For Online Shopping!
I love shopping, and shopping online is super easy…but we also need to be smart about it. I use Paypal whenever given the option. Paypal is an excellent “middle man” payment system. Your personal banking or credit information never goes to the merchant, it stays safe between you and PayPal. I have used it for years and years, and never experienced any issues. If PayPal isn’t available, I always use a credit card, not my debit card (if possible) to make the purchase.
Online Credit/Identity Theft Monitoring Services
Since my recent hack, I have thought about ways to protect myself, and one item I have invested in, is LifeLock. I am sure you have all seen the guy on TV, driving around NYC with his social on the side of a truck…
For as little as $9.99/mo, I know that if something happens, they have my back! They have so many benefits that are worth every penny!
Although I was not responsible for charges at my bank, if I had been, LifeLock would have given me my money back!
If someone took $500 from you today, how would that impact your family? I can tell you, that the $9.99 a month, even paying for it for 12 months, didn’t even come close to the money stolen from my account, this would have paid me back PLUS more!
- Detects & alerts you to a wide range of identity threats (including text alerts!)
- Specialists ready to help fix ID theft problems
- Up to $1 Million on lawyers and experts to help resolve your case
- Reimbursement for funds lost due to identity theft (HUGE point)
Right now, score 1 MONTH FREE at LifeLock, plus 10% off your monthly rate, with rates starting at only $9.99/mo, this drops it to under $8/month! Use promo code CJ1030 during registration!
Sign up with a Credit Reporting service
Credit Sesame is a great way to monitor your credit, when someone tries to open an account in your name you will automatically be notified. Totally free, no credit card required.
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