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Credit Card Fraud: Prevention and Cures
All credit card users are potential victims of credit card fraud. A thief does not have to steal your credit card or rifle through your trash to get account numbers. Any time you use your credit card you are making your account number available to everyone who is involved in the transaction, from the sales clerk to the billing staff of the creditor.
If Your Card Is Stolen
If your credit card or account numbers are stolen call the card issuer immediately. Some companies have a toll free phone number printed on their billing statements to use when reporting a stolen card. After you have reported your card missing to the card issuer follow up your call with a letter. Be sure to keep a copy of the letter you send for your records. The call and the letter should include:
Your name;
Your account number;
The date you noticed your card missing; and
The date you phoned the creditor to report your credit card missing.
If you report your credit card missing before it is used without authorization, you may not be responsible for any of the unauthorized charges. Pursuant to federal law, if your credit card is used without authorization before you report it missing, the most you will be liable to pay is fifty dollars.
If You Suspect Fraud
If you suspect someone has illegally used your account number you must contact the card issuer no later than 60 days after the first bill on which the charge appeared is sent. Follow a telephone call to the issuer with a letter. Be sure to retain a copy of the letter for your files.
Include the following information in your call and letter:
Your name;
Your account number;
The dollar amount of the suspect charge;
A description of the charge; and
An explanation of why you believe there is an error.
http://www2.state.id.us/ag/consumer/tips/creditcardfraud.htm
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以上,供您參考!
2009-06-26 01:28:31 補充:
Credit card fraud is a wide-ranging term for theft and fraud committed using a credit card or any similar payment mechanism as a fraudulent source of funds in a transaction.
2009-06-26 01:28:36 補充:
The purpose may be to obtain goods without paying, or to obtain unauthorized funds from an account.
http://en.wikipedia.org/wiki/Credit_card_fraud
參考: above 15 years teaching experience