Identity-Protection Tips

By Kristina Payne

In this new age of fast-paced technology, keeping track of the best ways to protect your information from thieves and criminals is becoming increasingly difficult.

A lot of online articles will give you quick tips on how to protect your identity while you’re on vacation, but protecting your information isn’t that simple any more.

Most websites, online retailers, and even walk-in stores keep your credit-card information on their corporate servers. Web browsers such as Internet Explorer and Google Chrome have options to save your credit-card information for easier checkout. This seems pretty convenient, until you think about recent news of hacking and website outages all over the internet.

This is scary and seems to be out of hand, with corporations collecting personal information without regulation.  Although major hackings are hard to control and predict, you can take three main steps to help protect some of your information.

  • Never input or post your Social Security number anywhere on the internet. No website should ever ask for that information, and no bank will ever ask for that information over the phone or in an email. If someone asks you for that information, hang up the phone or delete the email right away. If a website asks you that information when you’re checking out after some online shopping, do not make a purchase and leave the website. Your SSN is just as unique as you are. It’s the number-one way a thief can steal your identity.

 

  • Use gift cards and cash while on vacation. Going to a nice resort for your vacation can be a great time, but do you know how safe that resort is keeping your information? A risk is associated with using your credit card when purchasing and planning that vacation online. Many companies, including like Visa and MasterCard, have gift cards that look and act just like a debit account, to which you can add money as you go. Using one of those while on vacation can help you protect your information as well as stick to a budget. In a foreign country, using cash is always better than anything else.

 

  • Keep a close eye on your bank account. Sometimes you need to input your credit-card information on a website, or maybe a store that you’ve recently visited reported the theft of some credit-card information. To help protect yourself in such situations, check the amount of money in your bank account daily, and keep a close eye on your credit score. Most banks will deactivate a debit or credit card when you alert them to suspicious activity on your account. Fixing issues with your credit score can be more complicated, but the sooner you find a problem, the sooner you can work toward a solution

To prevent massive damage to your identity and credit, keep track of when and where you use your credit-card accounts and provide personal information. With proper planning and simple precautions, you can enjoy a worry-free vacation.

Kristina Payne is the social-media coordinator for TimeSharing Today.

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