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If you want to preserve your good credit and avoid potential problems with credit fraud, here are some common sense tips.

Credit card fraud is rampant, especially online. If you want to make sure that your credit cards are not stolen or your identity used to open fraudulent loans, there are a few tips that can help you out.

Make sure you check your credit report and monitor your credit. Checking your credit report will tell you if anything not authorized by you has been opened, and allow you to take action. Paid credit monitoring will tell you immediately if you have opened any loans or taken out any new credit cards recently. If you see a card or loan that you are unaware of, you can contact the credit card company and loan company immediately to head off possible fraudulent charges and cover yourself against bad credit.

Make sure you are savvy when using credit cards online. If possible, stick to one card for online purchases and check your statement each month for irregular charges. Beware of phishing scams online. Never reveal any personal or financial information to others or click any hyperlinks in your email. If you think that your credit card company contacted you , close the email, open up a new page in your browser and visit the website directly. Following these simple common sense tips will help protect you from credit card fraud.

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