• Keep a list of your credit card numbers, expiry dates and the phone number of each card issuer in a secure place.
  • When selecting a card, compare the terms offered by several card issuers to find the card that best suits your needs.
  • Watch your card after giving it to a clerk. Take your card back promptly after the clerk has finished with it and make sure it is yours.
  • Never sign a blank receipt. Draw a line through any blank spaces above the total when you sign receipts.
  • Open credit card bills promptly and compare them with your receipts to check for unauthorised charges and errors.
  • Report promptly and in writing to the card issuer any questionable charges. Written enquiries should not be included with your payment. Check the statement for the correct address to send any written enquiries. The enquiry must be in writing.
  • Never give out your credit card number over the telephone unless you have initiated the call.
  • Never put your card number on a postcard or on the outside of an envelope.
  • Sign new cards as soon as they arrive. Cut up expired cards and dispose of them promptly. Cut up and return unwanted cards to the issuer.
  • Leave infrequently used cards in a secure place.
  • If any of your credit cards are missing or stolen, report the loss as soon as possible to your card issuer. For your own protection, follow up your phone calls with a letter to each issuer. The letter should contain your card number, the date the card went missing, and the date you called in the loss.
  • Arrange credit card misuse and loss insurance with the issuer of the credit card.