Well over seven million people in the United States last year alone were victims of identity theft resulting in about fifty billion dollars of fraudulent credit card, bank, and other financial charges. A large number of these victims were tourists, business travelers, and people on their holidays. Here is some valuable information that may save you a lot of grief when you travel.
It's very easy for people traveling on vacation to let their guard down. They have a lot on their minds remembering everything they have to take care of before they go and what they need to take with them on vacation. Not only that, all they want is to have fun, unwind, and relax. Isn't that what a vacation is suppose to be all about? When they're traveling they don't want to have to be constantly on guard all time and concerned about getting ripped off every day of their holidays.
There are three major sources of identity theft that you should be aware of when you travel. They are your wallet, your laptop or PDA, and internet cafes.
Research shows that most identity thefts occur when people's wallets are stolen, usually by professional pick pockets. Whether you travel on vacation or business you must guard your wallet at all times because you are at more risk than in familiar surroundings. You should never carry your wallet in your back pocket - it's not called the "sucker pocket" for nothing. It's best to carry your wallet in a fanny pack. Some travelers prefer a fanny pack with a Velcro closure instead of a zippered one because you can hear it being opened. The usual places you find pickpockets are in crowded areas such as airports, train and bus stations, hotel lobbies, restaurants, and sporting events.
Almost everyone carries more personal information in their wallets then they need. What you should do before you travel is to go through your wallet and take out any personal information that you don't need when traveling such as bank checks and check books, credit card receipts, bills, and memberships cards such as library cards. Also, you do not need to take your social security card as you probably already have that number memorized by heart.
Debit cards are a convenient way to take small amounts of cash out of ATM's when you travel, but they are also a great way for thieves to clean out your bank account if they get a hold of them. One way to reduce this risk is to open up a separate account at your bank before you leave and only put as much day-to-day cash in as you think you might need for your holidays. Take only this debit card with you.
Credit cards are protected by Federal law and are a much better choice to take with you as you are usually covered for any fraudulent charges incurred. If you are over charged or find an error on any of your credit card transactions when you travel, it's easier to get the charges corrected or reversed from the card companies. You probably should take two credit cards in case one is lost, or compromised. You can also obtain a smaller, limited amount prepaid cash cards from MasterCard, Visa, and American Express that are perfect for daily use. You can purchase these cash cards in any denomination. It's probably best to buy a couple of cards with lower limits of about five hundred dollars or less each. The credit card companies will replace any pilfered or lost funds. Leave your passport and major cards in your hotel room safe or the hotel's safe along with any other personal info that you do not need from day to day.
Before you travel be sure and check that your credit cards won't expire while you're on vacation. And be sure to call your credit card issuers to let them know when and where you plan to holiday so they don't have a conniption fit and cancel your card when they see a credit charge showing up from some place like Timbuktu. Make a note of these phone numbers and take them with you when on vacation.
Another major source of identity theft starts with stolen laptops. More than six hundred thousand laptops are pilfered or lost in the U.S. alone, frequently from inattentive travelers in airports, restaurants, and hotel lobbies.
Before you travel, backup your laptop and put the backup disc in a safe place at home or in a safety deposit box at your bank in case your laptop is lost or stolen. Place a small strip of colored tape on the top and bottom of your laptop and laptop case as most laptops and their cases look similar in appearance. Write your name, destination address, and contact information at your destination on a piece of paper and tape it to your laptop just in case it's lost at the airport. You should not use your home address on this piece of paper. It is better to use your work or business address and telephone number. So many laptops left behind unintentionally. The lost and found offices at airports don't have time to try and gain access to all the laptops which are more than likely password protected anyway.
The third major source of identity theft that can happen is at any public computer or internet cafe. Your personal information could be at risk even if you are just sending or accessing e-mails. A key stroke logger could be installed which secretly keeps a record of all passwords, user names, and personal information that is entered on the computer. Even if public computers are not compromised they will still store the information you input in the temporary internet files and history. Never access any bank or credit card account, or pay bills from these computers. Computers located in the business centers of hotels and on cruise ships are generally safer to use than other public computers.
The bottom line is to always be vigilant whenever you travel. Have a safe and fun filled vacation! - 15359
It's very easy for people traveling on vacation to let their guard down. They have a lot on their minds remembering everything they have to take care of before they go and what they need to take with them on vacation. Not only that, all they want is to have fun, unwind, and relax. Isn't that what a vacation is suppose to be all about? When they're traveling they don't want to have to be constantly on guard all time and concerned about getting ripped off every day of their holidays.
There are three major sources of identity theft that you should be aware of when you travel. They are your wallet, your laptop or PDA, and internet cafes.
Research shows that most identity thefts occur when people's wallets are stolen, usually by professional pick pockets. Whether you travel on vacation or business you must guard your wallet at all times because you are at more risk than in familiar surroundings. You should never carry your wallet in your back pocket - it's not called the "sucker pocket" for nothing. It's best to carry your wallet in a fanny pack. Some travelers prefer a fanny pack with a Velcro closure instead of a zippered one because you can hear it being opened. The usual places you find pickpockets are in crowded areas such as airports, train and bus stations, hotel lobbies, restaurants, and sporting events.
Almost everyone carries more personal information in their wallets then they need. What you should do before you travel is to go through your wallet and take out any personal information that you don't need when traveling such as bank checks and check books, credit card receipts, bills, and memberships cards such as library cards. Also, you do not need to take your social security card as you probably already have that number memorized by heart.
Debit cards are a convenient way to take small amounts of cash out of ATM's when you travel, but they are also a great way for thieves to clean out your bank account if they get a hold of them. One way to reduce this risk is to open up a separate account at your bank before you leave and only put as much day-to-day cash in as you think you might need for your holidays. Take only this debit card with you.
Credit cards are protected by Federal law and are a much better choice to take with you as you are usually covered for any fraudulent charges incurred. If you are over charged or find an error on any of your credit card transactions when you travel, it's easier to get the charges corrected or reversed from the card companies. You probably should take two credit cards in case one is lost, or compromised. You can also obtain a smaller, limited amount prepaid cash cards from MasterCard, Visa, and American Express that are perfect for daily use. You can purchase these cash cards in any denomination. It's probably best to buy a couple of cards with lower limits of about five hundred dollars or less each. The credit card companies will replace any pilfered or lost funds. Leave your passport and major cards in your hotel room safe or the hotel's safe along with any other personal info that you do not need from day to day.
Before you travel be sure and check that your credit cards won't expire while you're on vacation. And be sure to call your credit card issuers to let them know when and where you plan to holiday so they don't have a conniption fit and cancel your card when they see a credit charge showing up from some place like Timbuktu. Make a note of these phone numbers and take them with you when on vacation.
Another major source of identity theft starts with stolen laptops. More than six hundred thousand laptops are pilfered or lost in the U.S. alone, frequently from inattentive travelers in airports, restaurants, and hotel lobbies.
Before you travel, backup your laptop and put the backup disc in a safe place at home or in a safety deposit box at your bank in case your laptop is lost or stolen. Place a small strip of colored tape on the top and bottom of your laptop and laptop case as most laptops and their cases look similar in appearance. Write your name, destination address, and contact information at your destination on a piece of paper and tape it to your laptop just in case it's lost at the airport. You should not use your home address on this piece of paper. It is better to use your work or business address and telephone number. So many laptops left behind unintentionally. The lost and found offices at airports don't have time to try and gain access to all the laptops which are more than likely password protected anyway.
The third major source of identity theft that can happen is at any public computer or internet cafe. Your personal information could be at risk even if you are just sending or accessing e-mails. A key stroke logger could be installed which secretly keeps a record of all passwords, user names, and personal information that is entered on the computer. Even if public computers are not compromised they will still store the information you input in the temporary internet files and history. Never access any bank or credit card account, or pay bills from these computers. Computers located in the business centers of hotels and on cruise ships are generally safer to use than other public computers.
The bottom line is to always be vigilant whenever you travel. Have a safe and fun filled vacation! - 15359
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