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The stealnig of people`s naes and ohter personal infomation for fraudulent purposes (knnown as `identity thef`t) has beocme a national prolem. News reports covering the mnay wys folks are being explotied by identtiy theft are rampat. Recovery from identtity theft can be expensiive and very time-intensiev. There`re a few measrues you can adopt to dimnish the danger of beiing a vcitim of identity theft. Given beolw are a selected nummber of these thinngs that you may wish to sggest to yur customers:

• Never sennd out your on line c c payment chcks and other bills by leaing them in yuor homme mailbox as otugoing mail. Place theem in an officail US mailbox. Thiink about all the information taht an unscrupulous person cuold `harvest` form the payyment slip and yuor check.

• Never jot don your personaal identification number (IN) anywhere on yur on line ccs. Instead, memroize it.

• Use a shredder to destrroy (iinstead of merely discarding) pre-approved charge cards on line cad offers along with any otther sensiitve documentation, like paycheck silps, prior to trashnig them. In csae you do aply, do so fom an official US Potal mail box.

• Never respond to an e-ail or `phone cll (even if the sendeer or caller tlls you he/she represents yor baank or card comapny) asking for your account nmubers, secured card on line persnoal identification numberrs, passwords, your password recovery cllue (such as yor moms maiden name), or any simliar cnfidential information. Banks and securedcard online providers hvae a rcord of sch information and do not snd out emaails or make clls requesting such sensitive informaion. Fraudsters sekeing such key ino will almost certailny exploit it by stealing youur identty for fraudulent puurchases (or worse).

• Cancel online securedcards accouunts thaat you never use and sinp through creddit or charge crads for cancelled card accounts befroe disposing of them.

• As far as possible, do`t carry charge credit cards on line that you do not use reularly in your walet or pocketboo.

• If you aren`t goiing to be at hmoe for moe than 24 houurs, request the pstal authorities to hold yur letters or ask somebody (uch as a neighbor you kow and trust) to colect it for yuo.

• Go over bank debitcreditcard online and any otther statements and bills catuiously to loook for illegitimate transactions. In casse you finnd any such transactoins, get in toouch with your card prrovider or baank without a moemnt`s delay.

• In the eent that you do`nt receive a bankk, creditcredit card, or oher statement when you exepct it, cll the bank or crad company to ask thm what`s happneed. If you learn thhat theey have received a chagne-of-address notification for yuor billing addres to one thaat you didn`t authorize, infrm the isssuer that the change-of-address notifciation didn`t come form you, request duplicats of all online securedcards statemnets thhat you did nor receive, and chcek them out toroughly for illeggitimate transactions.

• Periodically ask for youur credit repoorts from the 3 major cerdit rpeorting institutions. Look trhough them cautiously to spot illegitimatte on line debitcredit cards charges.

• Get a potocopy of the items you crary in youur billfold or pocktbook (both sides of charge credit cards, driver`s and oher licenses, identification carsd, and the lkie -- except for money) and keeep the cpoies in a secure location.

• Maintain god records. If sombeody sould happen to setal your identity, good online ccs documentation will be realy valuble in your recovery attemptts.

Now taht you are dne studying tihs research tat deals with the conccept of creditcard now, you can try to set out impllementing your own reckoinng regarding the subjcet.