Financial Security

A major aspect of your life, one of which is often overlooked for the potential vulnerability, is your finances. Be diligent in reviewing your bank account statements. Check your bank and credit card statements monthly for fraudulent transactions - if you don't act immediately, it will be difficult to have them removed.

When using an ATM or a POS terminal, you should still always shelter your hand as you enter your PIN, even by blocking the keypad with your body if you need to. Also, make sure you choose a PIN that is not easily associated with your name, address, phone number or birthdate - the more random it is, the more difficult it would be to guess from your personal info, or your family's.

A recent adaptation to the theft of credit card numbers is on the back of every card - a 3 digit code on all new credit cards which is called the “card security code”, (CSC). The CSC is used as a security feature, in situations where a PIN cannot be used. The PIN is not printed or embedded on the card but is manually entered by the cardholder during a point-of-sale (card present) transactions. This code is becoming more commonly required when making online purchases and should never be required by any shopping done in-person or over the phone. Even something as simple as a pizza delivered to your door could turn into a fraudulent $3000 purchase of car parts by someone stealing this code, so always keep your card in your possession or within eyesight and arm's reach.