12:21 27 November 2013
When someone obtains your personal information and uses it to gain access to your account that is called identity theft. If you fall victim to this type of fraud but still possess your credit card, you will not have to shell out money for any charges you did not authorise. If you no longer have the card, the most you might have to cough up is £50. However, evidence that you acted without reasonable care (for example writing your PIN down on the card) could prevent you from getting your money back.
What should you do if you think your identity has been stolen?
Take measures to safeguard your information. Don’t get duped into giving personal information over the phone. Don’t carry written personal pins, SS numbers, etc. with you and you should be able to fix the problem if somebody messes with your account.
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