Ask Andy: Credit/debit card theft protection

Ask Andy: Credit/debit card theft protection

MEMPHIS, TN (WMC) - In the wake of reported credit card number thefts at Logan's Roadhouse near Wolfchase Galleria, it's time to share once again my tips for protecting your credit and debit cards.

* NEVER USE A DEBIT CARD AT A FULL-SERVICE RESTAURANT. That's because you can't witness the swipe. You shouldn't use a debit card any place where you cannot witness the swipe transaction. Use cash instead or a credit card. With a credit card, you can simply dispute a charge and it will be credited to you. If your debit card's compromised, that's cash straight out of your checking account.

* GIVE THE ATM CARD-READER A "SHAKE." At ATM's, look at the card-reader closely. Give it a gentle shake. Try to move it. A legitimate card-reader should not move. If it does, someone has likely tampered with the ATM and installed a skimming device.

* CHECK BOTH YOUR BANK AND CREDIT CARD STATEMENTS. Look for any unusual or unauthorized transactions. Dispute them immediately.

* PULL YOUR CREDIT REPORT ONCE A YEAR. Check it for unusual activity. Federal law guarantees you a free one from each credit bureau (Experian, Equifax, TransUnion). Get them free in one stop, without hassle, at

* CONSIDER A PASSWORD-PROTECTED SECURITY "FREEZE" ON YOUR CREDIT REPORT. It's cheap, and it'll keep sham accounts from being added to your report.

Here's one I used to tell viewers not to do, but I've changed my mind after a personal experience:

* CONSIDER A CREDIT MONITORING SERVICE. Consider only those offered by the credit bureaus. After all, they are the agencies that manage our credit reports in the first place. Be aware that one or more of them may not offer credit scoring -- and one or more may not be able to monitor reports on file with the other credit bureaus.

A few years ago, I received a free trial credit monitoring service through Experian. It caught a credit vendor's mistake that would have assigned someone else's Discover Card account to my credit report. It alerted me instantly via e-mail, and I was able to block the account.

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