Protecting yourself


The Pew Charitable Trusts published a pretty damning report Wednesday about how credit card issuers continue to be "unfair or deceptive" with their products -- despite legislation set to curtail these practices in 2010.

Swine flu? Meh. Paying your bills? No big deal. When it comes to striking fear in the hearts of Americans, nothing does it like ID theft.

A credit card issuer wouldn't possibly accept a ripped-up and taped-together credit card application, would it? Yes, it would.

As a Web-savvy personal finance editor, I would never be fool enough to fall for the "free trial offers" of Acai berry supplements. But I guess I'm a chump for wrinkle-eliminating-spot-fading-luminous-glow-dead-cell-removing facial products.

In the words of Blondie's Deborah Harry, "Call me" if you're trying to alert me to credit card fraud.

I couldn't wake a corporate giant, but a poke from a consumer blogger did.

A massive group of hackers. Undercover federal agents. A casino. And lots of booze. All under the fiery, don't ask, don't tell Las Vegas sun. What could go wrong?

Move over FreeCreditReport.com; the battle to dupe people into paying for a credit report has moved to Craigslist.

Patricia Blessman heard the chants of "Yes, we can!" fill the chilly Washington air during President Obama's inauguration. But sadly, in fact, no, she couldn't; she was denied entrance. So she wants the $10,000 donation she put on her card to attend the ceremony back. Yes, she can?

Chinese hackers have cracked the iTunes gift card code and are now selling the cards for pennies on the dollar. Will Apple's core product rot away due to fraud?

A week after turning 24, I received my first debt collection letter. Is this a sign I'm becoming an adult? Fortunately, it was a mix-up.

After getting my landline installed, I found another "benefit" that I hadn't expected -- becoming popular with debt collectors.

An alleged criminal trio were arrested last Monday for their participation in a major theft ring. According to a press release from the Leon County Sheriff's Office, the three men used credit card information stolen from the records of New Jersey-based Heartland Processing Center to electronically encode Visa gift cards. Police say those gift cards were then used to make fraudulent purchases at local businesses, including several Tallahassee Wal-Marts, with the merchandise then sold for cash.

As the names of customers affected by the Heartland Payment Systems breach continue to trickle in, despite few if any actual losses of money from the breach, banks across the country are choosing to close customers' accounts and issue new cards to be on the safe side.

Last week, I was concerned about being a potential victim of a major data breach. This week, I've received two phishing attempts, one over text message and one over e-mail. Is there something phishy in the air?

I'm one step away from getting an ATM card with $8.3 million loaded on it. Use my step-by-step guide to find out how I did it, and how you can(not) too.

When I learned last week about what may have been the world's largest data breach, I knew there were going to be potentially millions of victims. What I didn't expect is that I may be one of them.

In the last seven years, your credit card data might have been mined and stockpiled by the U.S. government. But hey, it was all for national security.

In honor of this weekend's Super Bowl game, we've assembled a team drawn from dozens of the best players in the personal finance arena for the football-themed 189th edition of the Carnival of Personal Finance.

Read the story of Master Ginger Peter, the world-class Craigslist scammer who wants my bank account details. There's only one way he's getting them though, and it involves crayfish, childhood love, trade agreements and AIDS. Is he up for it?

A payment processor that services 250,000 businesses waits until inauguration day to announce what may be the largest-ever breach of credit card data.

Several Internet message boards are on fire with complaints from credit card users who spotted a mysterious charge of about 25 cents on their statements.

Xidian University in China needs a loan, and they want to sign you up for a credit card to get it. And oh, they don't see anything wrong with that either.

As the deadline for buying gifts for all your loved ones tiptoes closer, some of us need advice on surviving the mayhem more than ever.

This week's credit card crimes once again prove that the truth is often stranger than fiction. We've got a coroner's office employee who used a dead man's credit card at the local strip club, a cross-dressing purse snatcher and a con-artist who enjoyed the high life on his boyfriend's corporate card.

On this date in 1791, after much debate between America's founding fathers, The First Bank of the United States opened in Philadelphia, which helped build the U.S. economy. If only one bank could solve our problems today!

On this day in 1901, Walt Disney was born. In this week's credit card round-up, we celebrate Disney's hundreds of inspiring and heartwarming films that defined many of our childhoods.

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Your credit can turn against you in cases of identity theft, frauds or scams. This is where to keep up with the latest tricks and survival tips to keep credit cards safe and credit history spotless.

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