I hope you don't mind if I piggyback a litle something on your post.
I am sure most people who read this safety information will be credit card holders, so if any of you are struggling with a little bit of irresponsibility, or impulse shopping, I have some advice that may be helpful.
Credit cards make it very easy to spend money we don't have. Very often, people suffer buyers remorse after making a purchase. If anyone has ever made a purchase they later regretted, (Especially at the end of the month)
Maybe this will help.
Put your credit card in a coffee can.
Fill it with water.
Put it in the freezer.
Your card will be just fine, but you have now locked it in a vault with a timer!
The next purchase you make will come with at leats 6 - 8 hours of thought behind it while your card thaws out.
I just got this in my email yesterday.
It’s a company that makes healthy food supplements, cosmetics, and stuff.
It has some helpful hints along with it.
Modern technology makes our lives easier, but makes crooks lives easier too.
As many of you know, Sunrider has made our website Shop Online available to customers and IBOs for 10 years. We have always taken steps to protect your personal data, including credit card information, by using the latest in consumer protection technology, including VeriSign encryption technology and website scanning. We have also incorporated additional internal measures and increased monitoring to insure that your personal and credit card information is safe.
Although we take as many precautions as possible to protect your information, you should also take measures on your own on a frequent basis to ensure that your computer and account information are safe:
1.Check your credit card statements frequently or after each purchase; 2.Call your bank and inquire if there has been any suspicious activity; 3.Do not save passwords or credit card information on your web browser or online accounts; 4.Do not use obvious passwords like your birth date, your mother’s maiden name, or the last four digits of your Social Security number; 5.Keep your personal information in a secure place at home; 6.Purchase and keep your firewalls, anti-spyware, and anti-virus software on and up to date and perform scans frequently; 7.Never click on links sent to unsolicited emails; 8.Purchase identity theft protection; 9.Shred all bills or documents containing personal information; 10.Do not give your personal information or credit card numbers to unverified people over the phone, through mail, or over the Internet; 11.Protect your Social Security Number; don’t carry it in your wallet or write it on checks.
Despite all of our efforts, we believe there may have been a breach of our website database by a hacker. Your name, address, and credit card number may have been compromised, but all of this data was encrypted. This notice is a precaution. Please call your credit card companies to make sure your credit cards are safe, review purchases made in the last 2 weeks, and place a Fraud Alert on your credit reports.
If you suspect that your information has been compromised or that identity theft has occurred, you should take the following steps: place a Fraud Alert on credit accounts, close all accounts, file a police report, and file an Identity Theft Report at ftc.gov/idtheft. Please see the attached U.S. FTC document for more information.
It is unfortunate that in these difficult economic times people will commit the crime of Identity Theft. We are sorry for this inconvenience, but we want to assure you that we are committed to using the best technology and the best talent available internally and externally to protect your identity and data.
COMMON WAYS ID THEFT HAPPENS: Skilled identity thieves use a variety of methods to steal your personal information, including: 1. Dumpster Diving. They rummage through trash looking for bills or other paper with your personal information on it. 2. Skimming. They steal credit/debit card numbers by using a special storage device when processing your card. 3. Phishing. They pretend to be financial institutions or companies and send spam or pop-up messages to get you to reveal your personal information. 4. Changing Your Address. They divert your billing statements to another location by completing a “change of address” form. 5. “Old-Fashioned” Stealing. They steal wallets and purses; mail, including bank and credit card statements; pre-approved credit offers; and new checks or tax information. They steal personnel records from their employers, or bribe employees who have access.
To learn more about ID theft and how to deter, detect, and defend against it, visit www.ftc.gov/idtheft Or request copies of ID theft resources by writing to: Consumer Response CenterFederal Trade Commission600 Pennsylvania Ave., NW, H-130Washington, DC 20580
Deter Identity theft is a serious crime. It occurs when your personal information is stolen and used without your knowledge to commit fraud or other crimes. Identity theft can cost you time and money. It can destroy your credit and ruin your good name. Deter identity thieves by safeguarding your information. ■ Shred financial documents and paperwork with personal information before you discard them. ■ Protect your Social Security number. Don’t carry your Social Security card in your wallet or write your Social Security number on a check. Give it out only if absolutely necessary or ask to use another identifier. ■ Don’t give out personal information on the phone, through the mail, or over the Internet unless you know who you are dealing with. ■ Never click on links sent in unsolicited emails; instead, type in a web address you know. Use firewalls, anti-spyware, and anti-virus software to protect your home computer; keep them up-to-date. Visit www.OnGuardOnline.govfor more information. ■ Don’t use an obvious password like your birth date, your mother’s maiden name, or the last four digits of your Social Security number. ■ Keep your personal information in a secure place at home, especially if you have roommates, employ outside help, or are having work done in your house.
Detect suspicious activity by routinely monitoring your financial accounts and billing statements. Be alert to signs that require immediate attention: ■ Bills that do not arrive as expected ■ Unexpected credit cards or account statements ■ Denials of credit for no apparent reason ■ Calls or letters about purchases you did not make Inspect: ■ Your credit report. Credit reports contain information about you, including what accounts you have and your bill paying history. r The law requires the major nationwide consumer reporting companies—Equifax, Experian, and TransUnion—to give you a free copy of your credit report each year if you ask for it. r Visit www.AnnualCreditReport.comor call 1-877-322-8228, a service created by these three companies, to order your free credit reports each year. You also can write: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. ■ Your financial statements. Review financial accounts and billing statements regularly, looking for charges you did not make.
Defend against ID theft as soon as you suspect it. ■ Place a “Fraud Alert” on your credit reports, and review the reports carefully. The alert tells creditors to follow certain procedures before they open new accounts in your name or make changes to your existing accounts. The three nationwide consumer reporting companies have toll-free numbers for placing an initial 90-day fraud alert; a call to one company is sufficient: r Equifax: 1-800-525-6285 r Experian: 1-888-EXPERIAN (397-3742) r TransUnion: 1-800-680-7289 Placing a fraud alert entitles you to free copies of your credit reports. Look for inquiries from companies you haven’t contacted, accounts you didn’t open, and debts on your accounts that you can’t explain. ■ Close accounts. Close any accounts that have been tampered with or established fraudulently. r Call the security or fraud departments of each company where an account was opened or changed without your okay. Follow up in writing, with copies of supporting documents. r Use the ID Theft Affidavit at www.ftc.gov/idtheftto support your written statement. r Ask for verification that the disputed account has been closed and the fraudulent debts discharged. r Keep copies of documents and records of your conversations about the theft. ■ File a police report. File a report with law enforcement officials to help you with creditors who may want proof of the crime. ■ Report the theft to the Federal Trade Commission. Your report helps law enforcement officials across the country in their investigations. r Online: www.ftc.gov/idtheft r By phone: 1-877-ID-THEFT (438-4338)or TTY, 1-866-653-4261 r By mail: Identity Theft Clearinghouse,Federal Trade Commission, Washington, DC 20580