Credit cards, debit cards, and credit reports: ½Å¿ë Ä«µå, Á÷ºÒ Ä«µå, ½Å¿ë º¸°í¼ : 1. 1. You have to diminish the number of credit and debit cards that you carry around with you every day in your wallet. ´ç½Å°ú ´ç½Å ÁÖÀ§¿¡ ´ç½Å°ú ÇÔ²² ¸ÅÀÏ ´ç½ÅÀÇ Áö°©¿¡ µé¾î ½Å¿ë Ä«µåÀÇ ¼ö¸¦ ÁÙÀ̱â À§Çؼ Á÷ºÒ. I would suggest that you don¡¯t use debit cards at all due to the potential for shoulder snatching anyway. ³ª´Â ´ç½ÅÀÇ ¸ðµç ÀáÀç·ÂÀ» ¾î±ú ¶§¹®¿¡ ¾î·µç ì°Ü ¿ÔÁÒ¿¡ ´ëÇÑ Á÷ºÒ Ä«µå¸¦ »ç¿ëÇÏÁö ¾Ê´Â °ÍÀÌ ÁÁ½À´Ï´Ù. In its place, you should carry one or two credit cards and your ATM card in your wallet and that is all. ±× ÀÚ¸®¿¡¼, ´ç½Å Áö°©¿¡ Çϳª ¶Ç´Â µÎ °³ÀÇ ½Å¿ë Ä«µå¿Í ATM Ä«µå¸¦ ¼öÇàÇÑ´Ù ±×¸®°í ¸ðµçÀÔ´Ï´Ù. Debit cards might be popular but you have to take the benefit of online access to your bank account in order to monitor for frequent account activity. Á÷ºÒÄ«µå ÀαⰡÀÖÀ» ¼öµµ ÀÖÁö¸¸ ÀæÀº °èÁ¤ Ȱµ¿¿¡ ´ëÇÑ ¸ð´ÏÅ͸µÀ»Çϱâ À§Çؼ´Â ±ÍÇÏÀÇ ÀºÇà °èÁ¿¡ ´ëÇÑ ¿Â¶óÀÎ ¾×¼¼½ºÀÇ ÇýÅÃÀ» ¹Þ¾Æ¾ß¸¸Çß´Ù. Try to report anything strange as fast as you can. ÃÖ´ëÇÑ »¡¸® ÇÒ ¼ö ÀÌ»óÇÑ º¸°í¼¸¦ º¾´Ï´Ù. 2. 2. When you use your credit and debit cards at restaurants and stores, you must pay close attention to how the magnetic stripe information is taken. ·¹½ºÅä¶û°ú »óÁ¡¿¡¼ ÀÚµ¿ÀÌüÇÏ¸é ±ÍÇÏÀÇ ½Å¿ë Ä«µå¸¦ »ç¿ëÇϸé Á¤º¸¸¦ Àå¾ÇÇÏ´Â ¹æ¹ý¿¡ ¸¶±×³×ƽ ½ºÆ® ¶óÀÌÇÁ¿¡ °¡±î¿îÁÖÀÇÇϼžßÇÕ´Ï´Ù. Some dishonest employees have been known for using small hand-held devices which are called skimmers in order to quickly swipe the card and then they download the account number data onto a personal computer later on. ÀϺΠºÎÁ¤ Á÷ÇÑ Á÷¿øÀ» »ç¿ëÇÏ¿© ÀÛÀº ¼ÕÀ¸·Î ¾Ë·ÁÁ® ¿Ô½À´Ï´Ù - skimmersÀÖ´Â ÀåÄ¡¶ó´Â ÁÖ¹®À» ½Å¼ÓÇÏ°Ô °³ÃÖ ½½Â½¿¡ ±×µéÀº °³Àοë ÄÄÇ»ÅÍ¿¡ µ¥ÀÌÅ͸¦ ´Ù¿î·ÎµåÇÏ¿© ³ªÁß¿¡ °èÁ ¹øÈ£ Ä«µå¸¦ ´©¸¨´Ï´Ù.
3. 3. When you shop online, try not to use debit cards. ¿Â¶óÀÎ ¼îÇÎ ¶§, Á÷ºÒ Ä«µå¸¦ »ç¿ëÇÏÁö ¾ÊÀ¸·Á°íÇÕ´Ï´Ù. You can use a credit card which will protect you more in case of fraud. ´ç½ÅÀº Á» ´õ º¸È£ÇÒ °ÍÀÔ »ç±âÀÇ °æ¿ì ½Å¿ë Ä«µå¸¦ »ç¿ëÇÒ ¼öÀÖ½À´Ï´Ù. 4. 4. Always carry a photocopy of all your credit cards, debit cards, bank accounts, and other financial information such as the account numbers and expiry dates. Ç×»ó ¸ðµç ½Å¿ë Ä«µå »çº» ¼öÇà, Á÷ºÒ Ä«µå, °èÁ ¹øÈ£¿Í À¯È¿ ±â°£ µîÀÇ ÀºÇà °èÁÂ, ±×¸®°í ±âŸ ±ÝÀ¶ Á¤º¸¸¦ Ç¥½ÃÇÕ´Ï´Ù. Try not to carry it around with you in your wallet or your purse. ´ç½Å°ú ´ç½ÅÀÇ Áö°©À̳ª °¡¹æ¿¡ ³Ö°í ´Ù´Ï´ÂÇÏÁö ¸¶¼¼¿ä. This way, if the information is stolen, you can report it. Á¤º¸¸¦ µµ³´çÇÑ °æ¿ìÀÌ ¹æ½ÄÀ¸·Î, ´ç½ÅÀº ±×°ÍÀ» º¸°íÇÒ ¼öÀÖ½À´Ï´Ù.
5. 5. Don¡¯t ever give out your SSN, credit or debit card number or other personal information over the phone, by mail, or on the Internet or if you are the one who initiated the phone call. Àý´ë ±ÍÇÏÀÇ SSNÀº ¼Òµæ, ¿ìÆí, ¶Ç´Â ÀÎÅͳÝÀ»Çϰųª Àüȸ¦Çϸé ÇÑ »ç¶÷¿¡ ÀÇÇØ ½ÃÀÛµÇ¸ç ½Å¿ë Ä«µå ¶Ç´Â Á÷ºÒÄ«µå ¹øÈ£ ¶Ç´Â ±âŸ °³ÀÎ Á¤º¸¸¦ ÀüÈ·Î ³ª°¡ÁÖÁö ¸¶½Ê½Ã¿À.
6. 6. Whenever you get any, always take credit card receipts with you. ¾ðÁ¦µçÁö¹ÞÀ» ¶§¸¶´Ù, Ç×»ó ´ç½Å°ú ÇÔ²² ½Å¿ë Ä«µå ¿µ¼öÁõ. Never toss any of them in a public garbage container. Àý´ë °ø°³ ¾²·¹±â ÄÁÅ×À̳ʿ¡ÀÖ´Â ±×µéÀÇ Å佺. Also, don¡¯t forget to always take them out of your shopping bag. ¶ÇÇÑ, Ç×»ó ´ç½ÅÀÇ ¼îÇÎ °¡¹æÀ» ¹ÛÀ¸·Î µ¥¸®°í ³ª°¡ °ÍÀ» ÀØÁö ¸¶¼¼¿ä. 7. 7. Never allow people to write your credit card number onto your checks. °áÄÚ »ç¶÷µéÀÌ ±ÍÇÏÀÇ ¼öÇ¥¿¡ ±ÍÇÏÀÇ ½Å¿ë Ä«µå ¹øÈ£¸¦ ¾µ ¼öÀÖ½À´Ï´Ù. 8. 8. When you expect a new credit card to arrive, always make sure you watch out for the mail. ÇÏ¸é »õ·Î¿î ½Å¿ë Ä«µå, Ç×»ó Á¶½É ÀÖ´ÂÁö È®ÀÎ ¸ÞÀÏÀÌ µµÂøÇÏ±æ ±â´ëÇÕ´Ï´Ù. 9. 9. Try to order your credit report at least once a year. Àϳ⿡ Àû¾îµµ ÇÑ ¹ø ±ÍÇÏÀÇ Å©·¹µ÷ ¸®Æ÷Æ®¸¦ ÁÖ¹® º¾´Ï´Ù.
10. 10. Get a free credit report from Equifax, TransUnion, and Experian , Equifax, Experian TransUnion¿¡¼ ¹«·á·Î ½Å¿ë º¸°í¼¸¦ °¡Á®¿Í¼
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