Your credit card’s been hacked…now what?

In December, as many as 40 million Target cardholder’s accounts were hacked into, as well as the credit cards that are stolen or hacked into every day. Credit card security is of utmost importance, as your credit score and bank account are at risk when your account is hacked into or your card is stolen. CNN Money lists the top 4 steps you should take immediately to protect yourself and your credit score.

1.      Check your statement. Check your credit card statements often to be aware of all charges placed through your account. Be aware of every single charge listed on your statement. If you notice any unusual charges or have questions about a charge, follow step two.

2.      Call your credit card company and bank. If any charges look suspicious or you have any questions about charges, call the company and clear it up. The faster the situation is brought to attention, the quicker it can be resolved and the higher the chances will be of the charges being erased.

3.      Replace your credit card, change your PIN. As soon as it’s obvious your account was hacked or your card was stolen, replace your credit card and change your pin immediately. Once your new card and pin are activated, be sure to update all of your accounts that have your credit card on file or withdraw automatic payments.

4.      Sign up for a fraud monitoring service. Research the best threat detection services that would fit your needs and budget, and you can rest assured that your account will be monitored.

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