Restaurants
At the restaurant, your card can be out of sight for a few moments and there's no telling what could happen when your own card leaves your hand. Your server could easily be making purchases online or higher the phone before returning your card to you 10 min's later. In short, when it comes to restaurants, spend with cash. If you don't have enough cash available, then opt for a credit card but avoid using your bank card and keep close track of your credit card transactions.
Machines
Whether it's an ATM device, a gas station pump, a soda machine in the mall or perhaps a dvd rental box at your grocery store; they all permit you to use a card to pay. Unfortunately, these are frequently places where thieves place skimming machines. Skimming machines steal your data when you insert your card, turning you $1. 50 soda right into a $300. 00 soda.
Instead, take a few minutes of the day, get a little bit of exercise and go within the gas station to pay with cash, go into the financial institution to do your transactions and pay with cash whenever you can with machines, unless you're positive you can identify the skimming machine.
Not having to remember to mail away a bill is nice. Unfortunately, when you sign up for any recurring payment, that company stores your card number along with other personal information. If that company gets hacked, your information might get stolen. Furthermore, if you can't remember to pay your bill promptly, can you trust yourself to remember to deduct that bill out of your checkbook every month?
Consider getting yourself into the habit of setting aside time each week (or every other week) to be able to pay all of your bills that approaching via an additional method. This will help you protect yourself from theft as well as protect yourself from the embarrassment of bank fees.
Online or higher the Phone
In today's world, online shopping is a typical practice. Unfortunately, there are thousands of websites that target consumers purely like a scam. Once you've entered in your information to their own website, they can drain your bank account instantly. Whenever shopping online, choose to use a credit card rather than bank card. If you don't have a credit greeting card, consider getting a prepaid card, which prevents them through draining any accounts.
The same goes for paying for things within the phone, as you don't truly know who you're giving your data to or what they could do it once you say goodbye.
Travel Expenses
Both hotels and gas stations can place a hang on money in your account. So, using a debit card when traveling could mean that all your money gets tied up, leaving you without any money. When traveling, always use a credit card to purchase hotels, that helps keep the cash in your banking account free for other things like meals, souvenirs or additional items and services.