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5 Killer Steps to avoid Credit Card SCAMS!!!!!
In August, 2004, the Federal Trade Commission issued their findings of a recent study, which showed that nearly 25 million adults were victims of fraud.
Now, most importantly, If you are a victim of fraud, please do not feel like you did anything wrong. It happens to all of us at one point or another, as the FTCís study clearly shows. Everyone likes a magic trick, and none of us are fully capable of noticing the con-artistsí slight of hand. So, if youíre a victim, take a deep breath. Youíre normal.
But, thereís an old saying that goes something like this: Fool me once, shame on youÖFool me twice, shame on me!Ē
Here are 5 KILLER STEPS to protect yourself from Credit Card SCAMS!
1. NATIONAL NO-CALL REGISTRY:
Thereís nothing more annoying then those credit card offers that you get over the phone. I donít know about you, but the last thing I want to be doing, while having dinner with my 1 year old daughter and my beautiful wife, is to be annoyed by phone calls from solicitors that just want to make money off me. Legitimate or not, these calls are a nuisance. If youíre like me, and you would rather live without dealing with these calls, then go do this:
Join the FTC No-CALL-Registry, and enjoy a reduction in telephone solicitation phone calls.
2. TELEPHONE SOLICITATION:
Believe it or not, the vast majority of lenders out there are legitimate. Also, believe it or not, a lot of these lenders utilize telemarketing as a method of reaching out to potential customers.
Who is this on the phone Donít trust people you havenít had a chance to get to know. Donít let one enticing offer on a phone call, be your guide...
3. 1-900 NUMBERS:
A 1-900 number is, of course, a phone number that charges the caller per minute for making the call. Whether itís a 1-900 number, or a future manifestation of the same type of telephone service, be wary of doing business this way.
Use your common sense, and donít fall prey to the con artists slight of hand, such as the Advance Fee Load Scam...
4. ANNUAL FEES, INTEREST RATES, ETC.:
Credit Card Scams come in all different shapes and sizes. Many of them are, arguably, not scams at all, but letís just call them credit card offers involving consumer unfriendly terms.
Be a responsible consumer, and read the terms and conditions of your credit card offer...
5. THE UNITED STATES FEDERAL TRADE COMMISSION::
The best place to go for direct consumer information, protection, and remedy, is the United States Federal Trade Commission...
The FTC is there to help...
Use the No-Call Registry to cut down telephone solicitations in your home and places of business. While many legitimate lenders utilize telemarketing, be careful. Donít give out personal information to people you donít know, donít pay up-front processing fees over the phone, and get everything in writing. Consider yourself an advised consumer on ďAdvanced Fee LoadĒ Scams, and look out for the signs, when these scams regrettably make their way to you. Read the terms of the offers that you are considering, and utilize the FTC website for trusted information, resources, and all related materials on consumer credit card issues.
Weíve enjoyed providing this information to you, and we wish you the best of luck in your pursuits. Remember to always seek out good advice from those you trust, and never turn your back on your own common sense.
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Disclaimer: Statements and opinions expressed in the articles, reviews and other materials herein are those of the authors. While every care has been taken in the compilation of this information and every attempt made to present up-to-date and accurate information, we cannot guarantee that inaccuracies will not occur. The author will not be held responsible for any claim, loss, damage or inconvenience caused as a result of any information within these pages or any information accessed through this site.
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I was all set to write an article predicting the future of search engines, when Yahoo dropped Google and replaced it with its own engine. Now thats big news. In less than twenty-four hours, Google went from about 79% of the market share to about 51%, almost overnight. And what a welcome relief it is too! Being #1 in Google was great, but when you had the misfortune of dropping even a couple of positions you really felt it. Now there will be more stability; if you drop in Google today, your hits from Yahoo will remain consistent.
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