Having a credit card means responsibility and whether you have a debit card that’s tied into your bank account, or maybe you have a credit card that you use for rewards, or other things.  It’s important to be safe with your credit card.  By doing so, you’re going to find that you’re going to prevent a lot of stress, and headaches in the future.

While most credit card companies are going to protect you from fraud and stolen cards, it’s essential that you keep an eye on your card anyways.

#1 Monitor your account

Every major card company today allows you to monitor your statement online.  I would recommend that you set up an account online.  By doing so, you can log in every few days just to monitor your access to ensure that all the charges on the card are being done by you.

#2 Use credit cards online

When making a purchase online, I would make it a habit to use your credit card.  What you can find is that many credit card companies will allow you to create a virtual number.  This is great for those that are looking to use a one time card number.  This way, if the number gets stolen, the crook can’t do anything with it.

#3 Know where your card is

Make it a habit to keep your card in your wallet, or somewhere safe in your home.  You’ll want to know where your card is at all times.  If you’re going to get keep it at home, make sure you place it in a safe.  This way, you don’t have to worry about people stealing it, if you have strangers coming into your home.

#4 Never give out your number

Never give out your account number over the phone, unless you know who you’re talking to.  Again, if you have to, I would recommend that you get a virtual card number.  By doing so, you’re going to find that again, if something does happen, the crooks won’t get that far.

#5 Consider a photo ID

I don’t know why all credit card companies don’t do this, but I would recommend that you get a card that has a photo ID.  Just like your driver’s license, the credit card companies can match up the picture to your face.

To get even more tips, visit Citi Bank’s credit card safety tips page, as well as Consumer Report’s safety page.  It’s important that you watch your card, because trust me, you don’t want to be on the phone for days to figure out how you’re going to fix your credit and identity.