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Student Credit Card Privacy

Wednesday Mar 17, 2010

So, you found that awesome deal on a new Apple computer and you want to buy it right away. But, you found the deal online, and you think the site ‘could’ be shady. You decided it’s legit and you go ahead and use your credit card to buy the Mac. Then, you have friends tell you you’re stupid for giving your credit card information to a site like that. They make you think you’re screwed. Turns out it was a scam and that Mac computer for $600 was the worst decision you made and now someone has your credit card information.

What can you do to keep your privacy when using your student credit card. First, you don’t need to be scared of every deal or offer you see, especially online, just because it is a situation you haven’t encountered before. More to the point, you should be cautious. Generally, you should trust your intuition.

Second, since you’re already being cautious with the deals or offers you approach, be cautious with your information. While you shouldn’t be scared of every deal and offer, if it is a new situation where you encounter it, look it up, ask around before giving out any information. That means not only your credit card number, but personal information your credit card company uses like your birthday or security questions.

Third, familiarize yourself with common scams out there today. You should definitely delete anything asking you to donate to a foreign prince or princess in hopes of getting a monetary reward for your help. You may be leery of a free student credit card offer you see online (however a lot are legit because of the prevalence of affiliate programs), but look them up before you give out any information. Legitimate organizations will not ask you to give out information through email. They’ll instruct you to head to their site.

So, just don’t be stupid with your information. It can always be used to screw you in the end if you aren’t smart with your info and your credit.

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