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Consider yourself among lucky credit card holders, if youve not had any experience of a scam, with the intention of stealing or cloning your credit card or details. Credit card scams are on a high now-a-days. You as a bank account and credit card holder needs to be extra cautious so that you can protect yourself from any fraud or scam. Filchers wont take a second chance and withdraw the lump sum in few minutes.

A common phenomenon for credit card frauds is the use of cash machines to their advantage. You can see the warnings on cash machines about the devices used by the thieves. There are machines that you cant even detect that there is a camera attached to it. A whole new front is applied to the cash point complete with a camera ready to record your PIN number.

Make sure you check the cash point carefully when you are using it - some cameras can be the size of a needle! And make sure you shield your pin number - without this, thieves cant get very far with your card details.

But this is not the road where scams ends. If you have the internet and an email account then you may have experienced fake emails from your bank asking you to confirm your account details. You may even receive multiple emails from banks that you are not even a customer with! Fraudsters really will try anything to get their hands on your cash!

So, you need to be extra careful - your bank will not usually email you, and if they do they should address you by your name not as customer and many will give you the last four digits of your account number so you can be sure it is genuinely your bank. Never reveal your credit card information to such e-mails.

There are incidents where some fraudsters can call you, pretending to call you from your bank and ask for the details. DO NOT give your personal information to anybody - your bank or credit card provider would not ask you to hand over this information on the phone!

Other types of credit card fraud include the use of fake paper applications, whereby a thief gets hold of enough details to apply for a credit card in your name, and then merrily send off applications behind your back, and before you know it you have five credit cards in your name.

With so many scams around, card holders are advised to be extra vigilant about keeping your PIN and other personal details private.

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