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There are charges on my credit card that I don't recognize As soon as you discover the discrepancy, call the credit-card company and inform them of the fraudulent usage. In most cases, you will only be held responsible for $50 of the unauthorized charges; in others, you won't have to pay any of them. The card will be immediately canceled, and you'll be sent a replacement card with a new number.

How to prevent yourself from becoming a victim of credit-card fraud
  1. Make certain that any Web site to which you send your credit card uses "Secure Sockets Layer," an encrypted protocol that helps to protect your confidential user information.

    The URL of an SSL-protected Web page will begin with https rather than http For example: http://www.verizon.com would be an insecure page, while https://www.verizon.com would be SSL-encrypted and could be considered safe for e-commerce transactions.

    Also, SSL-protected-Web pages will display a closed-lock icon on the status bar at the bottom of the browser window. The icon looks like:
    Figure depicting Internet Explorer Locked Icon

  2. Check your credit record on a regular basis. You should request a credit report from each of the three major credit bureaus at least once each year and verify that all the information is correct.

    Equifax
    www.equifax.com

    Experian
    www.experian.com

    TransUnion
    www.transunion.com



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