Best printers for Home

Best Mixer Grinder

Best wired Earphones

Best 43 Inch TV in India

Best Wi Fi Routers

Best Home Theatre in India

Smart Watch under 5000

Best Laptops for Education

Best Laptop for Students

Data is the new gold and there are a lot of thieves who are stealing it. From time to time, debit card and credit card information is stolen as well. Earlier this month, a <a href="https://www.businessinsider.in/tech/news/4-lakh-indian-debit-and-credit-cards-are-selling-for-9-apiece-on-the-dark-web/articleshow/74028856.cms">report</a> revealed that over 4 lakh Indian debit and credit cars were being sold online, for $9 each.<br /><br />This is not the only instance when Indian debit and <keyword id="6387037" type="UNKNOWN" weightage="20" keywordseo="credit-cards">credit cards</keyword> were spotted on the <keyword id="1929208" type="PERSON" weightage="20" keywordseo="dark-web">dark web</keyword>. Last year, Group-IB <a href="https://www.group-ib.com/media/biggest-card-database-ever/">found</a> over 13 lakh Indian debit and credit cards on sale on Joker’s Stash, a dark web underground card shop.<br /><br />You must be wondering how debit and credit cards end up on the dark web and why. In this post, we will explain how your financial data ends up on the dark web and how it is misused.<br /><br /><strong>How do debit and credit cards end up on the dark web?<br /></strong><br />There are several ways how your debit and credit card information could be stolen and sold on the dark web. The most common methods include hacking into businesses, card skimming, installing malware on your devices and using fake websites.<br /><br />As per Group-IB, the recent breach of “data is likely to have been compromised online — with the use of phishing, malware, or JS-sniffers.”<br /><br /><strong>What happens when your debit and credit card info reaches the dark web?<br /></strong><br />When card information is stolen, the thieves make a ‘database’ or a ‘dump’ of the information to make a sale. The card details are sold with the necessary details to make the purchase, such as the card number, card holder’s name and the CVV number.<br /><br />It must be noted that while the transactions that are routed through Indian payment gateways require a second layer of authentication in the form of OTPs, this layer is not mandatory for payment gateways outside of the country. In most instances, the card number, CVV and the expiration date is enough to complete a transaction. This allows your stolen card to be used by scammers for completing unauthorized transactions.<br /><br />Stolen cards are often used to purchase prepaid cards and other online services as a lack of address makes it harder to trace, allowing the person to use the card for a longer period. Some thieves also use the cards to make small insignificant purchases over a long period of time to avoid getting caught.<br /><br /><strong>See also:<br /><br /><a href="https://www.businessinsider.in/biggest-data-breaches-of-2019-to-affect-india/articleshow/72465865.cms">Biggest data leaks of 2019 that hit Indians</a><br /><br /><a href="https://www.businessinsider.in/tech/news/4-lakh-indian-debit-and-credit-cards-are-selling-for-9-apiece-on-the-dark-web/articleshow/74028856.cms">4 lakh Indian debit and credit cards are selling for $9 apiece on the dark web</a><br /><br /></strong><a href="https://www.businessinsider.in/bank-details-of-1-3-million-indians-is-up-for-sale-on-the-dark-web/articleshow/71829700.cms"><strong>Bank details of 1.3 million Indians is up for sale on the dark web</strong></a><br />

Here is what happens when your credit/debit card number, name and CVV end up on the dark web

<br /><ul><li>Google announced that its bringing tokenisation of credit and debit cards to Google Pay during their annual event, <keyword id="8120597" type="UNKNOWN" weightage="20" keywordseo="google-for-india-2019">Google for India 2019</keyword>.<br /></li><li>This will allow users to mask their real card numbers when making payments to third party merchants using Google Pay.<br /></li><li>Tokenisation shares a random token number rather than the actual number of the card to conduct the transaction.<br /></li></ul>Google Pay’s is finally bringing its tokenisation system to India — a feature which allows you to mask your real debit and credit card numbers before making a payment.<br /><br />It was launched in India four years after it was available worldwide. Yet, Caesar Sengupta, Google’s General Manager and Vice President of Payments and Next Billion Users stated, “India is setting the global standard on how to digitise payments,” during the <a href="https://www.businessinsider.in/google-for-india-2019-everything-you-need-to-know/articleshow/71199981.cms">Google for India 2019</a>.<br /><br />Tokenisation allows users to hide their card numbers by issuing a digital token bound their devices, to make a transaction. Once the transaction is complete, the token ceases to exist.<br /><br />It’s a lot like exchanging money for tokens at a casino, according to <a href="https://www.advantio.com/blog/mobile-payments-with-digital-wallets-and-tokenization-how-google-pay-apple-pay-and-samsung-pay-protect-your-card-details">Advantio</a> — a cyber security research organisation.<br /><br />A visitor is the only person who can exchange their money for tokens and vice versa. Should someone else try and use that token — they would not be able to at another casino.<br /><br />Advantio calls this ‘devaluation’ since it deters crime and limits the thief’s field of action.<br /><br /><strong>How does tokenisation work?<br /></strong><br />There are two ways in which tokenisation works. <br /><br />One, is the tap and pay method. Users just have to tap their phones against a Bharat QR or near field connectivity (NFC) terminal to make a payment. If the transaction in under ₹2,000, there’s no need to input their PIN number.<br /><br />In order for this to work, the user’s smartphone needs to be NFC-capable.<br /><br />Even for online transactions, tokenised cards can be used to make payments without disclosing the user’s card number to the vendor or merchant through Google Pay. Only the randomised card number is shared.<br /><br />Each token is unique to the card number that it represents.<br /><br />The randomisation of numbers happens on the user’s mobile device itself, which has an encryption key in memory, that is used to generate and decrypt limited-use and single-use keys.<br /><br />According to Google, this makes the process more secure by adding a layer of security.<br /><br />The feature will initially roll out for VISA cards with HDFC Bank, Axis Bank, Kotak, Standard Chartered, and the State Bank of India (SBI).<br /><br />Later this year, Google will add more banks, RuPay and MasterCard to the process.<br /><br /><strong>See also:<br /></strong><a href="https://www.businessinsider.in/google-for-india-2019-everything-you-need-to-know/articleshow/71199981.cms">Google is adapting its technology for India and its many languages</a><br /><br /><a href="https://www.businessinsider.in/how-to-use-google-pay-for-business-and-google-spot/articleshow/71200402.cms">Google Pay for Business and Google Spot launched to digitise small business owners</a><br /><br /><a href="https://www.businessinsider.in/google-for-india-2019-google-assistant-for-2g-users-and-multiple-indic-languages/articleshow/71200745.cms">Data starved Indians in remote areas can now call the Google Assistant hotline</a><br />

Google Pay’s new tokenisation will mask your real debit and credit card numbers before making payments

This year in September, police arrested a student from Vadodara for illegally using credit cards of three American nationals to book air tickets.<br />
<br />
In March 2013, two top officials of an online shopping portal were arrested after almost 200 complaints were received from customers who said they paid for things they never ordered or received.<br />
<br /> Like these, there are numerous examples to highlight a growing trend of frauds and scams related to online transactions, which are generally done by credit or debit cards. As per the ASSOCHAM-Mahindra SSG Report-2015, the number of cyber crimes reported in 2011 was 13301, which shot up to 300,000 in the year 2015. Of the reported cyber crimes, credit and <keyword id="3171349" type="UNKNOWN" weightage="20" keywordseo="debit-card-frauds">debit card frauds</keyword> topped the list and saw six-fold times increase over last three years.<br />
<br />
What should an online shopper do now? Stop shopping? Online shopping is very convenient but when we use are credit card online we expose ourselves to potential frauds. Here are some ways you can safeguard yourself from online frauds<br />
<br />
1.      <strong>Choose your credit/debit card wisely:</strong> While choosing a card, it is important that you focus not only on the fees, credit limit, reward structure etc, but also on the security features of the card. Although the RBI has rules in place, it is important to be sure that your credit card issuer is also committed to customer’s safety. Often hackers hack into a bank’s website and steal customer’s card details to make fraudulent transactions. If the card company does not have proper security systems in place, it makes you vulnerable to frauds.<br />
<br />
2.      <strong>Never store your credit card number on a website</strong>: Storing your credit/debit card number on a website exposes it to a lot of potential threats.  Hackers try to use the information stored on the website. Typing same information again and again is a tedious task, especially for a website that you use regularly, but it is better safe than sorry.<br />
<br />
3.      <strong>Use secure websites:</strong>  There are numerous websites available for shopping. Before getting lured by special discounts, trendy designs and fast delivery promises, check for the security features of the website especially when making a transaction on a new website. Check the website URL, it should begin with “https” and there should be some indication on the website to ensure that it is a secure one, like the sign of a lock or a Verisign website. Generally all website mention the recommended security guidelines, mode of payment to be used etc, for the safety of the use. Read these carefully before using.<br />
<br />
4.      <strong>Be careful with names:</strong> Do not follow a link that is sent to you in a promotional email. Often, miscreants create websites that have similar names with similar web-design and layout to trick consumers. The difference in name of the website can be minimal to notice and you may end up buying stuff from a dummy website. Type the name of the website yourself. <br />
<br />
5.      <strong>Avoid public terminals</strong>: Using public terminals or transacting over a WI-FI network makes the user more vulnerable to credit card misuse. You can never be sure about the safety of a public terminal, if they have required safety features (spyware or malware) and who will use it after you. The information you enter can be hacked into and may also be available to other people using the terminal.<br />
<br />
6.      <strong>Never enter Pin Number:</strong> Apart from having requisite safety guards on your computer/phone to prevent hacking, extra caution is required when using phones for online shopping. Never enter your PIN for online shopping. Online shopping requires CVV number and the transaction password that is sent to your phone. Be vary of sites that ask your PIN number.<br />
 <br />
Whether it is the virtual world or the physical one, using your credit card with a few precautions go a long way in keeping it safe. Be cautious and do not become a statistic in the growing credit card fraud!<br />
<br />
(Rajiv Raj is the Director and Co-Founder of www.creditvidya.com)<br />
<br />
(Image: ThinkStock)<br />
<br />

Here are 6 ways to protect yourself from credit card frauds

​<strong>Indians are getting more credit cards and swiping them too</strong>​

<p><em><span style="font-weight: 400;">Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. Business Insider may receive a commission from The Points Guy Affiliate Network, but our reporting and recommendations are always independent and objective.</span></em></p><p></p><div class="KonaFilter image-container display-table"><div><div class="image on-image"></div><p></p></div></div><ul class="summary-list"><li><strong>Credit cards offer additional purchase and fraud protections that debit cards do not.</strong></li><li><strong>Aside from fraud protection, if you choose the right card and pay it off in full every month, you can use a credit card for free (and even get paid through rewards).</strong></li><li><strong>Cards like the <a href="https://thepointsguy.com/card-details/the-american-express-gold-card/?utm_campaign=pfi_debitcard_032519&amp;utm_source=referral">American Express® Gold Card</a> and the&#xa0;<a href="https://thepointsguy.com/card-details/chase-freedom/?utm_campaign=pfi_debitcard_032519&amp;utm_source=referral">Chase Freedom</a> card&#xa0;offer zero liability in the case of fraud, plus purchase protection.</strong></li></ul><p>I use my debit card on occasion at a gas station where credit cards are charged an extra fee, but I typically avoid using my debit card anywhere but an ATM.</p><p>There are two reasons for this.</p><ol><li>I get a ton of travel rewards using my credit cards.</li><li>I don't want to risk fraud in my primary checking account.</li></ol><p><span>If your card number is stolen, it can be used for online or in-person purchases. I've had my credit card numbers compromised a couple of times, and it seems to be a semi-regular occurrence for other people I know. While it's an inconvenience, it's not a huge deal.</span></p><p><span>Debit card fraud has the potential to be much more inconvenient - and more costly.</span></p><p>According to the <a href="https://www.consumer.ftc.gov/articles/0213-lost-or-stolen-credit-atm-and-debit-cards">FTC</a>, you could lose all of the money in your accounts if you don't notice the fraud within 60 days of the time your bank statement is put in the mail. (People who use an online money management app should notice problems well before then.)</p><p>From the point you report a debit card as stolen, you are not liable for any charges. If you report the loss within two business days, your losses are limited to $50. If you report the loss between two and 60 days after the fraud takes place, your liability is limited to $500.</p><p>Even if your losses are covered by the bank, it can take months to get your funds restored. That could be long enough to miss important rent, mortgage, or insurance payments if you don't have a <a href="https://www.businessinsider.com/tips-for-saving-money-in-an-emergency-fund-2018-10">separate account with enough savings</a>. I don't know about you, but I don't want to be liable for a dollar of fraud.</p><p><em><strong>Looking for a better checking account? Consider these offers from our partners:</strong></em></p><p>&#xa0;</p><h2>Most credit cards offer $0 liability fraud protection</h2><p>By law, liability for credit card fraud is limited to just $50. In even the worst cases of credit card fraud, you are likely better protected than in any scenario involving debit. If your card number is stolen but not your physical card, you have zero liability by law.</p><p>But most banks and credit card issuers take fraud protection a step further. They guarantee you will be liable for $0 in the event of credit card fraud. You can't beat $0 liability. For the most part, all major credit card issuers have a no liability policy in place. That includes Chase, American Express, Capital One, Barclaycard, Citi, Bank of America, Discover, and other popular card issuers.</p><p>If you find an unrecognized transaction, call up your card issuer and they will remove the transaction from your balance. You never have to pay for it and don't have to wait to get your money back as you do with a debit card.</p><h2>Credit cards may offer purchase and travel insurance</h2><p>Credit card fraud protection is an amazing benefit, but many cards also offer <a href="https://www.businessinsider.com/credit-card-benefits-you-dont-know-about-2018-11">purchase protection</a> and travel insurance. Take a look at the <a href="https://thepointsguy.com/card-details/the-american-express-gold-card/?utm_campaign=pfi_debitcard_032519&amp;utm_source=referral">American Express®&#xa0;Gold Card</a>, <a href="https://thepointsguy.com/card-details/chase-freedom/?utm_campaign=pfi_debitcard_032519&amp;utm_source=referral">Chase Freedom</a>, and <a href="https://thepointsguy.com/guide/citi-double-cash-card-review/">Citi Double Cash</a> as some excellent cards for purchase protection.</p><p>When you hit the road (or the skies), many cards offer <a href="https://www.businessinsider.com/credit-cards-with-travel-insurance-purchase-protection-2018-4">additional travel insurance</a> as well. Most premium travel cards include benefits like rental car insurance, trip interruption insurance, lost baggage coverage, emergency travel assistance, and other benefits. Check your card benefit details to learn more about what you may already have today.</p><h2>Credit cards are not right for everyone, but they're the best way to pay if you can manage them well</h2><p>Before you rush off and apply for a new credit card, consider your money habits and history. If you have a history of carrying a large credit card balance, missed, or late payments, you may be better off avoiding credit cards.</p><p>If a credit card would lead to heaps of interest, fees, and other costs for you, avoid them. The fraud benefits alone are not worth turning your finances upside down if you can't manage them well.</p><p>To use credit cards responsibly and build an excellent credit score, keep your balances low or paid off and always pay by the statement's monthly due date.</p><p>If you can keep your card paid off in full, it is by far the best way to pay. It offers multiple layers of protection, helps you manage your cash flow, and may even pay you back every time you use it for a purchase. That's a huge win for your money.</p><h3><a href="https://thepointsguy.com/card-details/the-american-express-gold-card/?utm_campaign=pfi_debitcard_032519&amp;utm_source=referral">Click here to learn more about the American Express®&#xa0;Gold Card from Business Insider's partner: The Points Guy »</a></h3><h3><a href="https://thepointsguy.com/card-details/chase-freedom/?utm_campaign=pfi_debitcard_032519&amp;utm_source=referral">Click here to learn more about the Chase Freedom card from Business Insider's partner: The Points Guy »</a></h3><p class="tagline"></p><p><em>Disclosure: This post is brought to you by the Personal Finance Insider team. We occasionally highlight financial products and services that can help you make smarter decisions with your money. We do not give investment advice or encourage you to adopt a certain investment strategy. What you decide to do with your money is up to you. If you take action based on one of our recommendations, we get a small share of the revenue from our commerce partners. This does not influence whether we feature a financial product or service. We operate independently from our advertising sales team. If you have questions or feedback, we'd love to hear from you. Email us at yourmoney@businessinsider.com.</em></p><p><em>Business Insider may receive a commission from The Points Guy Affiliate Network, but our reporting and recommendations are always independent and objective.</em></p><div></div>    <div class="margin-top">        <h3>NOW WATCH: <a href="https://www.businessinsider.com/shaq-financial-advice-for-nba-players-money-personal-finance-investing-tips-million-savings-contract-2017-11">Shaq is joining the board of Papa John's - here's his simple piece of advice for NBA players who don't want to lose their millions</a></h3>        <div>                    </div>    </div>

I almost never use my debit card outside of ATMs for 2 important reasons

<p><span><div class="KonaFilter image-container display-table float_right"><div><div class="image on-image"><p class="source"><span>Peter Macdiarmid/Getty Images</span></p><p class="caption">The stolen information will be just as valuable five years from now.</p></div><p></p></div></div>A data breach at credit bureau Equifax may have compromised up to 143 million people's personal information on Thursday.</span></p><p><span>Here's how to <a href="http://www.businessinsider.com/equifax-data-breach-how-to-check-if-youre-affected-2017-9">find out if yours is at risk</a>, and <a href="http://www.businessinsider.com/equifax-breach-how-to-protect-credit-identity-2017-9">what to do about it if it was</a>.</span></p><p>Credit expert John Ulzheimer, formerly of FICO and Equifax, told Business Insider that although data breaches might almost seem run of the mill these days - think <a href="http://www.businessinsider.com/yahoo-hack-data-breach-how-big-chart-2016-9">Yahoo</a>, <a href="http://www.businessinsider.com/celebrities-hacked-after-reusing-passwords-myspace-linkedin-zuckerberg-drake-jenner-2016-6">MySpace</a>, <a href="http://www.businessinsider.com/home-depot-hack-larger-than-targets-2014-9">Home Depot</a>, and <a href="http://www.businessinsider.com/target-will-pay-banks-394-million-in-data-breach-settlement-2015-12">Target</a> - the Equifax breach is a bigger deal than usual for two reasons: the type of information compromised, and the breadth of the hack.</p><p>Credit card numbers aren't a huge deal, said Ulzheimer. Because credit card companies offer a degree of fraud protection, and because <a href="http://www.businessinsider.com/prevent-card-fraud-2014-12">they're used to stolen cards and numbers</a>, a hacker stealing your card info is more annoying than it is serious. (Remember that <a href="http://www.businessinsider.com/should-you-use-cash-debit-or-credit-2016-2">debit cards do not have the same level of fraud protection</a>.)</p><p>But the Equifax breach may have compromised:</p><ul><li>names</li><li>Social Security numbers</li><li><span>credit card numbers</span></li><li><span>personal documents</span></li></ul><p>"This<span> information has what I call 'perpetual value,'" said Ulzheimer. "You're not going to change your name. You're not going to move. You're not going to change your phone number."</span></p><p><span>Data points like that - names, addresses, phone numbers, Social Security numbers - are "the crown jewels for a fraudster," he continued. "In five years, your information from this data breach is going to be just as valuable as it is right now."</span></p><p>The other reason this breach stands out from those in the past is its sheer size: 143 million potential accounts means "well over half the people in this country that have a credit report" are compromised, said Ulzheimer.</p><p>"It's not that hard for a fraudster to get ahold of your info," said Ulzheimer. "You know the guy in your neighborhood who has the sign on his lawn that his house is protected by a security company, or that guy with the sticker on his truck that says 'insured by Smith and Wesson?'" By taking these steps, he said, "you're just making yourself a little less attractive than the guy who lives next to you. But if someone wants to get your information, it's not that hard to get it."</p><p>While that concept might seem terrifying, you could also choose to see it as reassuring - as former con man and current FBI fraud expert <a href="http://www.businessinsider.com/your-identity-has-already-been-stolen-2016-5">told AARP in 2016</a>, chances are that your identity has already been stolen. The important thing is to take the appropriate steps to <a href="http://www.businessinsider.com/equifax-breach-how-to-protect-credit-identity-2017-9">protect yourself now</a> and <a href="http://www.businessinsider.com/former-con-man-explains-how-he-protects-himself-against-identity-theft-2016-5">in the future</a>, and, above all, <a href="http://www.businessinsider.com/equifax-hack-dont-freak-out-2017-9">not to freak out</a>.</p>    <div class="margin-top">        <h3>NOW WATCH: <a href="http://www.businessinsider.com/hackers-photos-peace-signs-risk-identity-theft-2017-1">Hackers can now steal your fingerprints from photos</a></h3>        <div>                    </div>    </div>

The Equifax breach of up to 143 million accounts exposed the 'crown jewels' for fraudsters

<ul class="summary-list"><li><a href="https://www.businessinsider.com/category/wawa">Wawa</a> discovered a <a href="https://www.businessinsider.com/data-breaches-retailers-consumer-companies-2019-1">data breach</a> caused by malware that began running on its payment processing systems in early March. </li><li>The nine-month data breach affected credit and debit card numbers, expiration dates, and cardholder names at potentially all purchases made in Wawa locations and at fuel dispensers.</li><li>Wawa is encouraging customers to review their credit and debit card account statements and is providing customers a free year of identity theft protection and credit monitoring. </li><li><a href="http://newsletter.businessinsider.com/join/4np/drivethru">Sign up for Business Insider's retail newsletter, The Drive-Thru, to get more stories like this in your inbox</a>.</li><li><a href="https://www.businessinsider.com/?hprecirc-bullet">Visit Business Insider's homepage for more stories</a>.</li></ul><p>Wawa announced on Thursday that it had discovered a data breach that could have impacted customers over the last nine months. </p><p>"Our information security team discovered malware on Wawa payment processing servers on December 10, 2019, and contained it by December 12, 2019," Wawa CEO Chris Gheysens wrote in a public letter. "This malware affected customer payment card information used at potentially all Wawa locations beginning at different points in time after March 4, 2019 and until it was contained." </p><p>According to Gheysens, in-store payment processing systems were impacted by the data breach starting in March. By late April, the malware was running on payment processing systems in most Wawa locations. </p><p>The data breach affected credit and debit card numbers, expiration dates, and cardholder names for potentially all purchases made in Wawa locations and at fuel dispensers. No other personal information was accessed, including PIN numbers, credit card CVV2 numbers, and driver's license information. ATM cash machines located in Wawa locations were also not impacted. </p><p>Gheysens said that the company believed the malware no longer posed a risk to Wawa customers and that the company has "initiated an investigation, notified law enforcement and payment card companies, and engaged a leading external forensics firm to support our response efforts." </p><p>Wawa is encouraging customers to review their credit and debit card account statements. The company is also providing customers who may have been impacted a free year of identity theft protection and credit monitoring via Experian. More information on how customers can protect their information is <a href="https://www.wawa.com/alerts/data-security">available on the Wawa website. </a></p><p>"I apologize deeply to all of you, our friends and neighbors, for this incident," Gheysens wrote in the letter on Thursday. "You are my top priority and are critically important to all of the nearly 37,000 associates at Wawa. We take this special relationship with you and the protection of your information very seriously."</p><p><strong><em>SEE ALSO:</em> <em><a href="https://www.businessinsider.com/ignition-retail" target="_blank" rel="noopener">Apply here to attend IGNITION: Retail, an event focused on the future of retail, in New York City on January 14.</a></em></strong></p>

Wawa announces data breach that may have impacted customers at all of its locations for 9 months

<p class="source"><span>Crystal Cox/Business Insider</span></p><p class="caption">Credit cards are generally safer than debit cards, as long as you use them responsibly.</p><ul class="summary-list"><li><strong>Using a <a href="https://www.businessinsider.com/category/debit-card">debit card</a> instead of a <a href="https://www.businessinsider.com/category/insider-picks-credit-cards">credit card</a> is a surefire way to avoid <a href="https://www.businessinsider.com/category/credit-card-debt">credit card debt</a>. However, it opens the door for a lot of headaches if your card is ever stolen.</strong></li><li><strong>Between building your <a href="https://www.businessinsider.com/category/credit-history">credit history</a>, protecting your <a href="https://www.businessinsider.com/category/checking-account">checking account</a> from unauthorized purchases, getting a few major consumer protections, and getting rewards, there are a number of reasons to use a credit card instead.</strong></li><li><strong>If you make sure to spend within your means and pay off your balance in full every month (personally, I pay it off every time I get a paycheck), you'll avoid paying interest fees, as well as debt.</strong></li><li><a href="https://www.businessinsider.com/best-rewards-credit-cards" rel="nofollow">See Business Insider's list of the best rewards credit cards you can get »</a></li></ul><p>Credit card debt is something you should avoid - with <a href="https://www.businessinsider.com/paying-for-engagement-ring-2018-1" target="_blank" rel="noopener">rare exceptions</a> - but that doesn't mean that you should avoid using credit cards. In fact, there are a number of benefits to using them, including the chance to build your credit profile, and the opportunity to earn valuable rewards.</p><p><strong>The important thing is to use your credit card as if it were a debit card.</strong></p><p>That means not spending more money than you have, and not carrying a balance month to month by just paying the minimum amount or only part of your balance, which incurs interest fees the next month. Instead, you should pay the balance off in full every month, which not only helps you avoid interest, but also means that you don't end up overspending and winding up in debt.</p><p>So why not just use your debit card to keep everything easier? There are actually a few reasons.</p><h2>To protect your bank account</h2><p>Credit cards offer more robust fraud protection and offer a degree of separation from your checking account, which serves as an added safety measure.</p><p>Debit cards are connected directly to your checking account. Whenever you make a purchase - whether that purchase is processed as credit or as debit - funds are drawn immediately from that account and transferred to the merchant. In that way, it's like an electronic check.</p><p><em><strong>Read More</strong>: <a href="https://www.businessinsider.com/debit-vs-credit-rewards-fraud">I almost never use my debit card outside of ATMs for 2 important reasons</a></em></p><p>If a thief gets hold of your card - either the physical card, or just your information from it - and goes on a spending spree or makes a withdrawal, you lose the cash the person spends. That means money disappearing from your checking account. If you had a set amount in there earmarked for things like utilities, rent, tuition, or something else, you won't have access to that money. While most banks and debit card processors offer at least basic fraud protection, if not more, you may not get the cash back right away, particularly if a long investigation is required.</p><p>With a credit card, however, money in your bank account isn't touched until you pay your statement. If someone steals your number and makes fraudulent charges, you can flag those charges for the card issuer, and you won't have to pay them - the card will be frozen - pending an investigation into the fraud. You don't have to worry about losing cash and the inconveniences associated with that, like losing the money for your rent.</p><h2>To earn rewards</h2><p>Although rewards debit cards used to exist, the Durbin amendment to the Dodd-Frank consumer protection act passed in 2010 limits the fees banks can charge merchants to process debit cards. Consequently, consumer use of debit cards at retailers is less profitable to card issuers, so those issuers have less reason to incentivize consumers to use them.</p><p>Credit cards, however, remain profitable to banks, so they've invested more heavily in offering consumers a cut of those merchant fees in the form of rewards. Cards like the <a href="https://thepointsguy.com/card-details/chase-sapphire-preferred-card/?utm_source=referral&amp;utm_campaign=bi_credit_vs_debit" rel="nofollow">Chase Sapphire Preferred Card</a> offer 2x points on travel and dining and 1x point on everything else, while the <a href="https://thepointsguy.com/card-details/chase-freedom-unlimited/?utm_source=referral&amp;utm_campaign=bi_credit_vs_debit" rel="nofollow nofollow">Chase Freedom Unlimited</a> offers 1.5% cash back on all purchases.</p><p>Between those, and <a href="https://www.businessinsider.com/best-current-credit-card-signup-bonuses">high sign-up bonuses</a> - the <a href="https://thepointsguy.com/card-details/chase-sapphire-preferred-card/?utm_source=referral&amp;utm_campaign=bi_credit_vs_debit">Sapphire Preferred</a> offers 60,000 points after you spend $4,000 within the first three months, and the <a href="https://thepointsguy.com/card-details/chase-freedom-unlimited/?utm_source=referral&amp;utm_campaign=bi_credit_vs_debit" rel="nofollow">Freedom Unlimited</a> offers $150 back after you spend $500 in the same timeframe - you can get lucrative rewards when you use credit cards instead.</p><p>Just make sure to always pay off your full balance so that you don't end up in credit card debt, or paying interest. Even with a <a href="https://www.businessinsider.com/credit-cards-with-lowest-interest-rates">low APR</a>, the costs of interest fees will more than outweigh any rewards you can earn.</p><h2>To build your credit history</h2><p>Just about every adult has a credit profile, which is kept by credit reporting bureaus. This profile contains information about every loan you've applied for, held, and paid. All of that information makes up your credit score, which is a numerical representation of your credit profile.</p><p>Your credit score is positively affected by things that show a history of using credit responsibly, such as a history of on-time payments, having held multiple accounts, not having too much debt, and having held access to credit for a long period of time. On the other hand, it's negatively affected by things like missing a payment or being late, or not having much history of holding credit.</p><p><em><strong>Read More</strong>: <a href="https://www.businessinsider.com/how-to-build-credit">The best way to build your credit is the same strategy people use to build wealth</a></em></p><p>When you use and pay a credit card every month, that adds another positive data point to your credit profile, which, in turn, helps build and raise your credit score. When it comes time to apply for a major loan like for a car or a mortgage, you'll be more likely to be approved at a low interest rate if you have a positive credit history. Using a debit card, on the other hand, doesn't affect your credit history at all.</p><p><a href="https://www.businessinsider.com/why-you-should-use-credit-cards-2018-1">Read more about how using a credit card - responsibly - affects your credit profile and score here.</a></p><h2>For better purchase and travel protections</h2><p>Many credit cards offer certain purchase and travel protections. For example, the <a href="https://thepointsguy.com/card-details/chase-sapphire-preferred-card/?utm_source=referral&amp;utm_campaign=bi_credit_vs_debit" rel="nofollow">Chase Sapphire Preferred</a> offers robust coverage, such as trip delay insurance- that covers your costs for things like hotels, clothing, food, and toiletries for up to $500 per person if your flight or other travel is delayed overnight, or more than 12 hours during the day. </p><p>In the event of a dispute with a merchant, a credit card will also give you the ability to request a charge-back. That's when you dispute a charge, the credit card company investigates, and you don't have to pay for it until the investigation is finished - if your dispute is legitimate, the charge will be waived on your statement. An example of this is when passengers are <a href="https://www.businessinsider.com/flight-cancelled-refund-compensation-airline-bankruptcy" target="_blank" rel="noopener">stranded by an airline that goes out of business</a> - it's one of the only ways they can get their money back. </p><p>Similarly, I once had to dispute a charge with an emergency plumber, when he charged me for work my landlord hadn't authorized. I got the difference in money back from my card company, and was only charged for the original work order (which my landlord reimbursed).</p><p>Another offering is <a href="https://www.businessinsider.com/credit-card-purchase-protection-benefits-best-cards">purchase protections</a> - if something you buy is damaged, lost, stolen, or otherwise made unusable within 120 days of buying it, you'll be covered for up to $500 per claim (and up to $50,000 per account), as long as you used the card to buy it. The card also comes with extended warranty protection, which offers an extra year of coverage on eligible purchases that come with a manufacturer's warranty of three years or less.</p><p>Debit cards generally don't offer similar protections, which means that you're better off using a credit card for your major purchases and travel.</p><h3><span><strong><a href="https://thepointsguy.com/card-details/chase-sapphire-preferred-card/?utm_source=referral&amp;utm_campaign=bi_credit_vs_debit" rel="nofollow">Click here to learn more about the Chase Sapphire Preferred card »</a></strong></span></h3><h3><span><strong><a href="https://thepointsguy.com/card-details/chase-freedom-unlimited/?utm_source=referral&amp;utm_campaign=bi_credit_vs_debit" rel="nofollow">Click here to learn more about the Chase Freedom Unlimited card »</a></strong></span></h3><ul class="read-more-links"><li>More <a href="https://www.businessinsider.com/category/credit-cards">credit card</a> coverage</li><li><a href="https://www.businessinsider.com/best-airline-credit-card-comparison-delta-united-american">What's the best airline credit card?</a></li><li><a href="https://www.businessinsider.com/best-cash-back-credit-cards">The best cash-back credit cards</a></li><li><a href="https://www.businessinsider.com/southwest-credit-card-comparison-which-to-get">Southwest credit card review</a></li><li><a href="https://www.businessinsider.com/best-rewards-credit-cards">Best rewards credit cards</a></li></ul><p style="font-size:14px;"><em>Disclosure: This post is brought to you by the Personal Finance Insider team. We occasionally highlight financial products and services that can help you make smarter decisions with your money. We do not give investment advice or encourage you to adopt a certain investment strategy. If you take action based on one of our recommendations, we get a small share of the revenue from our commerce partners. This does not influence whether we feature a financial product or service. We operate independently from our advertising sales team.</em></p><p style="font-size:14px;"><em>Business Insider may receive a commission from The Points Guy Affiliate Network, but our reporting and recommendations are always independent and objective.</em></p><p style="font-size:14px;"><em>Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.</em></p>            <h3>NOW WATCH: <a href="https://www.businessinsider.com/nintendo-winning-video-games-fastest-selling-console-2019-3">Nintendo Switch is the fastest-selling console of the current generation - here's why Nintendo is dominating video games</a></h3>

4 reasons why you should use a credit card instead of a debit card

For years, Chase and Citi credit cards offered a generous, under-the-radar benefit that protected customers. And then the bots arrived.

<p><div class="image-container float_right"><div class="image"><p class="source"><a href="http://www.flickr.com/photos/9731367@N02/7113235069/">Philip Taylor PT</a></p></div></div>Don't want to deal with <keyword id="14520" type="ENTERTAINMENT" weightage="60" keywordseo="Black-Friday">Black Friday</keyword> crowds but still get Black Friday prices? <span style="line-height: 1.5em;">According to <a href="http://www.nerdwallet.com/blog/2013/nerdwallet-report-5-ways-credit-card-holidays-unforgettable/" target="_blank">personal finance site NerdWallet</a>, some <keyword id="6387037" type="UNKNOWN" weightage="60" keywordseo="credit-cards">credit cards</keyword> allow you to do just that.</span></p>
<p>MasterCard, Discover, and Citibank offer price matching, or <a href="http://www.nerdwallet.com/blog/credit-card-benefits/purchase-protection-refund-price-drop/" target="_blank">price protection</a>, on certain consumer goods. So if you use your card to make a purchase today and then see that item on sale for a lower price on Black Friday, the card issuer will pay you the difference. From NerdWallet: </p>
<p style="padding-left: 30px;"><span>"While these programs exclude jewelry, auto parts, perishables and other goods, they are still a great way for consumers to save money without the hassle.</span></p>
<p style="padding-left: 30px;"><span> Consumers can avoid Black Friday crowds by purchasing an item in early November, then submitting a dated Black Friday ad to take advantage of the price drop. Even better, they can </span><a href="http://www.nerdwallet.com/coupons/blackfriday">check leaked ads</a><span> to make sure the items they want will go on sale, and that they're within the <keyword id="1939023" type="UNKNOWN" weightage="60" keywordseo="Price-Protection">price protection</keyword> coverage limits."</span></p>
<p><span>Most card issuers will ask for your receipt, credit card statement, and a dated ad or note from a manager on store stationery with the lower price point.</span></p>
<p><span>Discover seems to offer the best price protection policy, with a high maximum refund of <span>$500 per claim and $2,500 per year and a lengthy 90-day timeframe for claims.</span></span></p>
<p>Here's a look at some <a href="http://www.nerdwallet.com/coupons/blackfriday" target="_blank">Black Friday deals</a> that have already been leaked.</p>

These 3 Credit Cards Could Save You Money On Black Friday

<p><div class="KonaFilter image-container display-table"><div><div class="image on-image"><p class="source"><span>Apple</span></p><p class="caption">The Apple Card has some standout features, but it doesn't offer purchase protection or a sign-up bonus.</p></div><p></p></div></div></p><ul class="summary-list"><li><p>The Apple Card is <a href="https://www.businessinsider.com/how-the-apple-card-works-2019-8">now available</a> to iPhone users. You can apply for the card directly from your phone.</p></li><li><p>From a titanium card design with no card number on it to no fees to almost instant rewards, the card has several unique features.</p></li><li><p>While the Apple Card has several unique features, many of which involve its integration with the iPhone, when it comes to earning cash back and coverage like purchase protection, several other credit cards have a leg up.</p></li></ul><p>For many people, Apple's first iPhone changed their idea of what a mobile device could be, instantly making all other phones seem obsolete. <a href="https://www.businessinsider.com/how-the-apple-card-works-2019-8">Apple has just released its new credit card</a>, and it's taking the same revolutionary approach, with a titanium card design that doesn't even include a card number and strong integration with the iPhone. </p><p>But the <a href="https://www.businessinsider.com/category/apple-card">Apple Card</a> is joining a crowded space - there are already plenty of credit cards that earn cash back with no annual fee, not to mention <a href="https://www.businessinsider.com/american-express-platinum-credit-card-review">premium rewards cards</a> with perks that can easily get you hundreds if not thousands of dollars in value. So, how does the Apple Card compare to cards from Amex, Citi, and other issuers?</p><h2>How the Apple Card works</h2><p>Let's start with the basics. The Apple Card is a <a href="https://www.businessinsider.com/best-cash-back-credit-cards">cash-back credit card</a> with <a href="https://www.businessinsider.com/best-no-fee-credit-card">no annual fee</a>. In fact, the Apple Card has no fees of any kind, including annual fees, foreign transaction fees, cash advance fees, and even late fees. But don't expect a <a href="https://www.businessinsider.com/best-current-credit-card-signup-bonuses">generous welcome bonus</a> or a valuable <a href="https://www.businessinsider.com/best-balance-transfer-credit-cards">introductory financing offer</a>, because it doesn't offer either.</p><p>Instead, the Apple Card offers 3% cash back on all purchases made through an Apple Store or the Apple App Store, and 2% cash back every time you use Apple Pay, either online or through contactless payments. And you earn just 1% cash back when using the physical Apple Card. And unlike most cards, you receive your rewards the day after a purchase, when it's loaded to your account as Apple Cash. </p><p>The standard APR for purchases is 12.99% to 23.99%, depending on your creditworthiness when you apply. This might seem a little high compared to the industry average of about 15%, but it's still competitive with other <a href="https://www.businessinsider.com/best-credit-card-reward-program">rewards credit cards</a>, which usually have higher interest rates compared to credit cards that don't offer points, miles, or cash back. And there's no penalty APR that's applied when you make a late payment.</p><h2>Unique features of the Apple Card</h2><p>Examining the rates and fees of the Apple Card is like evaluating the iPhone based on how well it makes plain old phone calls. The real point of the Apple Card appears to be its additional features that aren't available on other credit cards.</p><p>For example, you can apply for a new account from within the Apple Wallet tab, and the card itself is a sleek, titanium monolith with your name engraved on it, but not an account number (the account number is available in the Wallet app). </p><p>The Apple Card is also tightly integrated with the iPhone. You see your purchases instantly, and you can even locate where each charge was processed by using Apple Maps. Each transaction is authorized by either Touch ID or Face ID, and you can have your lost or stolen card information replaced instantly in Apple Pay while a new physically card is being sent.</p><p>Apple also wants its new card to help you manage your money. It features weekly and monthly spending reports that you can access with a single tap that breaks down all of your spending by categories. And when it comes time to pay your bill, it shows you the interest you'll incur if you fail to pay your entire balance. </p><h2>How does the Apple Card stack up against its competitors?</h2><h3>No fees</h3><p>Many features of the Apple Card are already available on other credit cards. For example, both the PenFed Promise and the <a href="https://www.businessinsider.com/petal-card-build-credit-how-to-apply">Petal Card</a> already have no fees at all, just like the Apple Card. And the <a href="https://www.businessinsider.com/best-cash-back-credit-cards">Citi Double Cash</a> effectively offers 2% cash back on all purchases, not just those paid through a mobile wallet service (you get 1% cash back at the time of purchase and another 1% cash back when you pay for your purchases, for a total of up to 2% with no limits).</p><h3>Cash-back earning</h3><p>Other cash-back credit cards can offer more generous bonuses on certain purchases. For example, the <a href="https://thepointsguy.com/card-details/blue-cash-preferred-card-from-american-express/?utm_campaign=bi_08092019_js_apple-card-comparison&amp;utm_source=referral">Blue Cash Preferred® Card from American Express</a> offers 6% cash back at US supermarkets (on up to $6,000 per year, then 1%) and on select US streaming services. And when it comes to buying Apple products, both the Best Buy credit card and the <a href="https://www.businessinsider.com/amazon-prime-rewards-visa-signature-card-review">Amazon Prime Visa Signature Credit Card</a> offer 5% back on all purchases with Best Buy and Amazon respectively, and you can buy many Apple products from those retailers. </p><p>And nearly all credit card issuers offer an app that helps you track purchases, and most will feature some way to categorize and track your purchases. But none of them integrate so closely with the iPhone. </p><h3>Metal design</h3><p>Finally, if it's the titanium design of the Apple Card that intrigues you, there are other cards with metal designs, from the <a href="https://thepointsguy.com/card-details/chase-sapphire-reserve/?utm_campaign=bi_08092019_js_apple-card-comparison&amp;utm_source=referral">Chase Sapphire Reserve</a> to the <a href="https://thepointsguy.com/card-details/capital-one-savor-cash-rewards-credit-card/?utm_campaign=bi_08092019_js_apple-card-comparison&amp;utm_source=referral">Capital One Savor Cash Rewards Credit Card</a> to the <a href="https://thepointsguy.com/card-details/the-american-express-gold-card/?utm_campaign=bi_08092019_js_apple-card-comparison&amp;utm_source=referral">American Express® Gold Card</a>, which was even available in <a href="https://www.businessinsider.com/american-express-gold-card-benefits-rose-gold-card-2019-6">rose gold</a> for a limited time. Of course, most of these cards have annual fees, unlike the Apple Card.</p><h2>Benefits missing from the Apple Card</h2><h3>Purchase protection</h3><p>One important credit card benefit that's missing from the Apple Card is <a href="https://www.businessinsider.com/purchase-protection-credit-card-uses-types-2019-6">purchase protection</a>. If you're making a large purchase - such as an Apple product - using a credit card that protects you against damage or theft for a period after the purchase can grant you some extra peace of mind. Purchase protection is available on cards like the <a href="https://thepointsguy.com/card-details/the-platinum-card-from-american-express/?utm_campaign=bi_08092019_js_apple-card-comparison&amp;utm_source=referral">Platinum Card® from American Express</a> - with that card, you get up to $10,000 in coverage per claim.</p><h3>Sign-up bonus</h3><p>Other cards offer new account holders generous sign-up bonuses and promotional financing offers, both of which the Apple Card lacks. For instance, the <a href="https://thepointsguy.com/card-details/capital-one-savor-cash-rewards-credit-card/?utm_campaign=bi_08092019_js_apple-card-comparison&amp;utm_source=referral">Capital One Savor Cash Rewards Credit Card</a> offers $300 in cash back to new applicants who spend $3,000 within three months of account opening. And the Citi Double Cash offers 18 months of 0% APR financing on both new purchases and balance transfers (then a variable rate of 15.99% to 25.99%).</p><h2>Bottom line</h2><p>Every credit card issuer hopes that its customers will use its credit card for all purchases, while ignoring other competing products that feature welcome bonuses, increased rewards for certain purchases, or a 0% APR financing offer for opening a new account. The Apple Card leverages its massive user base of loyal iPhone users, and it does offer some appealing perks like no fees and access to card info from the Wallet app. </p><p>But if you don't have an iPhone, or if you're less interested in its unique features like the card design and Touch ID integration, you have plenty of other strong credit card options, from no-annual-fee cards that can help you build credit like the Petal Card to compelling cash-back options like the <a href="https://thepointsguy.com/card-details/capital-one-savor-cash-rewards-credit-card/?utm_campaign=bi_08092019_js_apple-card-comparison&amp;utm_source=referral">Capital One Savor</a>. And in some cases, like when you want purchase protection, other credit cards have distinct advantages. </p>  <p class="tagline"><p style="font-size:14px;"><em>Disclosure: This post is brought to you by the Personal Finance Insider team. We occasionally highlight financial products and services that can help you make smarter decisions with your money. We do not give investment advice or encourage you to adopt a certain investment strategy. What you decide to do with your money is up to you. If you take action based on one of our recommendations, we get a small share of the revenue from our commerce partners. This does not influence whether we feature a financial product or service. We operate independently from our advertising sales team.</em></p><p style="font-size:14px;"><em>Business Insider may receive a commission from The Points Guy Affiliate Network, but our reporting and recommendations are always independent and objective.</em></p></p>    <div class="margin-top">        <h3>NOW WATCH: <a href="https://www.businessinsider.com/what-is-super-earth-2018-6">Super-Earths are real and they could be an even better place to live than Earth</a></h3>        <div>                    </div>    </div>

How the new Apple Card compares to top rewards credit cards from Amex, Capital One, and more

<p><span style="line-height: 1.5em;"><div class="KonaFilter image-container float_right"><div class="image"><p class="source"><span>Thomas Cooper / Getty Images</span></p></div><p></p></div>The string of digits presented on the front of a credit or debit card is enough to confuse even the smartest of shoppers.</span></p>
<p>Yet, each number plays a crucial role in identifying the card provider, bank, and account information, as well as providing a security check.</p>
<p>The only organization that can assign numbers to specific networks, such as Visa or MasterCard, and financial institutions, like Bank of America or JP Morgan Chase, is the nonprofit American National Standards Institute, <a href="http://www.post-gazette.com/business/2014/07/16/Digits-on-your-credit-card-aren-t-just-a-random-stream-of-numbers/stories/201407160033#ixzz38nUbxcUn">the Pittsburgh Post-Gazette reports</a>.</p>
<p>When swiped, the Post-Gazette explains, a terminal uses the magnetic stripe of the card to first route the transaction through the proper card network, and then to the financial institution that is listed on the card so that the transaction can be authorized.</p>
<p><span><span>Every card, no matter the network or bank, must be in agreement with the "</span><a href="http://www.creditcards.com/credit-card-news/luhn-formula-credit-card-number-system-1273.php">Luhn System,</a><span>" which determines the validity of a credit card. It's a mathematical algorithm where various combinations of numbers must add up to a number ending in 0. If the total of the combinations adds up to anything other than a multiple of 10, the card is invalid.</span></span></p>
<p><span><span><span>Generally, </span><span>the first number or two of a credit or debit signifies the card provider, followed by digits that determine everything from the currency being used, to the bank processing the transaction, to the individual's account number.</span></span></span></p>
<p>But every network operates a little differently - here's the breakdown.</p>
<h3>American Express</h3>
<p><div class="KonaFilter image-container float_right"><div class="image"><p class="source"><span><a href="https://www.flickr.com/photos/fonalite/2780198933/">fonalité | Flickr</a></span></p></div><p></p></div>American Express <a href="http://money.howstuffworks.com/personal-finance/debt-management/credit-card1.htm">uses the first two numbers of the card to identify itself</a>. That two-digit number will be either 34 or 37.</p>
<p>The third and fourth digit signify the type of card and the currency being used, <a href="http://www.clearpointcreditcounselingsolutions.org/what-do-credit-card-numbers-mean-a-look-at-whats-inside-your-credit-card/">according to Clearpoint Credit Counseling</a>. The next six digits, five through 11, are the number of the account, while the 12th through 14th digits represent the card number within said account.</p>
<p>The final digit is a check digit, which is a random number used to protect against errors and fraud, Jason Oxman, CEO at the Electronic Transactions Association, told the Post-Gazette.</p>
<h3><div class="KonaFilter image-container float_right"><div class="image"><p class="source"><span>Gallo Images / Stringer / Getty Images</span></p></div><p></p></div>Visa</h3>
<p>Visa cards use a very similar formula, although there are a couple of differences.</p>
<p>The first digit assigned to all Visa cards is four, and the second through sixth numbers are connected to the financial institution.</p>
<p>Then, either the seventh through 12th numbers, or the seventh through 15th, are the account number, <a href="http://www.clearpointcreditcounselingsolutions.org/what-do-credit-card-numbers-mean-a-look-at-whats-inside-your-credit-card/">while that final 13th or 16th digit is the check number</a>.</p>
<h3>MasterCard</h3>
<p><div class="KonaFilter image-container float_right"><div class="image"><p class="source"><span><a href="https://www.flickr.com/photos/touring_club/8431381497/"> Touring Club Suisse/Schweiz/Svizzero TCS | Flickr</a></span></p></div><p></p></div>MasterCards use the number five as the first in their 16-digit sequence. The second and third, second and fourth, or second and fifth then represent the bank number, <a href="http://www.clearpointcreditcounselingsolutions.org/what-do-credit-card-numbers-mean-a-look-at-whats-inside-your-credit-card/" target="_blank">Clearpoint Credit Solutions</a> explains.<a href="http://www.clearpointcreditcounselingsolutions.org/what-do-credit-card-numbers-mean-a-look-at-whats-inside-your-credit-card/"><br /></a></p>
<p>Following the third, fourth, or fifth digit, every number up through 15 is the account number while that final number, 16, is the check digit.</p>
<h3>Other cards</h3>
<p>All Discover cards start with the number six and are 16 digits in length, while petroleum cards start with the number seven and <a href="http://www.creditcards.com/credit-card-news/credit-card-appearance-1268.php" target="_blank">airline cards</a> start with the number one.</p>

You Searched For "protect credit card number" and got 13 results

Here is what happens when your credit/debit card number, name and CVV end up on the dark web

Rounak Jain

Google Pay’s new tokenisation will mask your real debit and credit card numbers before making payments

Prabhjote Gill

Here are 6 ways to protect yourself from credit card frauds

Rajiv Raj

Indians are getting more credit cards and swiping them too

Katya Naidu

I almost never use my debit card outside of ATMs for 2 important reasons

Eric Rosenberg

The Equifax breach of up to 143 million accounts exposed the 'crown jewels' for fraudsters

Libby Kane

Wawa announces data breach that may have impacted customers at all of its locations for 9 months

Kate Taylor

4 reasons why you should use a credit card instead of a debit card

David E. Slotnick

For years, Chase and Citi credit cards offered a generous, under-the-radar benefit that protected customers. And then the bots arrived.

Alex Morrell

These 3 Credit Cards Could Save You Money On Black Friday

Jenna Goudreau

How the new Apple Card compares to top rewards credit cards from Amex, Capital One, and more

Jason Steele

Here's What The Numbers On Your Credit Card Really Mean

Allan Smith

The ultimate guide to using your credit card wisely

BI India Bureau

Popular Keywords

Buying Guides

You Searched For "protect credit card number" and got 13 results

Here is what happens when your credit/debit card number, name and CVV end up on the dark web

Rounak Jain

Google Pay’s new tokenisation will mask your real debit and credit card numbers before making payments

Prabhjote Gill

Here are 6 ways to protect yourself from credit card frauds

Rajiv Raj

​Indians are getting more credit cards and swiping them too​

Katya Naidu

I almost never use my debit card outside of ATMs for 2 important reasons

Eric Rosenberg

The Equifax breach of up to 143 million accounts exposed the 'crown jewels' for fraudsters

Libby Kane

Wawa announces data breach that may have impacted customers at all of its locations for 9 months

Kate Taylor

4 reasons why you should use a credit card instead of a debit card

David E. Slotnick

For years, Chase and Citi credit cards offered a generous, under-the-radar benefit that protected customers. And then the bots arrived.

Alex Morrell

These 3 Credit Cards Could Save You Money On Black Friday

Jenna Goudreau

How the new Apple Card compares to top rewards credit cards from Amex, Capital One, and more

Jason Steele

Here's What The Numbers On Your Credit Card Really Mean

Allan Smith

The ultimate guide to using your credit card wisely

BI India Bureau

Popular Keywords

Buying Guides

Indians are getting more credit cards and swiping them too