Joined: 01 Jul 2019
|Credit card fraud along with its usage for making electronic payments has increased rapidly over the past few years. It is an easy mode of electronic payments and has reduced the hassle of carrying cash physically. Carrying cash physically for making payments has many other risks associated to it like , theft and getting lost. Online payments diminish these risks to some extent; however, it has also increased the number of frauds, which calls for the necessity of fraud management.
How does a credit card fraud initiate?
These frauds can be of various types, but the fraud originates only when the card is lost physically or the data related to the card along with the card number is exposed or disclosed to the person trying to commit the fraud. The most risky fraud is caused by the theft of the physical card where the thief can use it and make huge transactions. It is for this reason that a stolen card should be reported immediately to block any further transactions. If a stolen card is not reported to be blocked immediately and is constantly used by the fraudulent user , the cardholder would not know about this theft until he receives bill of the fraud transactions made through it.
Avoiding the frauds
It goes without saying that prevention is better than cure; hence it is always suggested to safeguard your credit card before it gets lost and fraudulent activities are conducted through it. Following are some steps that should be taken for managing the fraud that has occurred through your credit card:
鈥?Call your bank immediately, the moment you find that you have lost your card or your card鈥檚 PIN.
鈥?If ever you wish to discard your credit card or wish to discontinue using it, always have it blocked officially and discard it by cutting it into two halves.
鈥?Always make sure that your signatures are printed on the back of the card, in order to safeguard from unauthorized use of an unsigned card.
鈥?Whenever using your credit card for making a payment , make sure you do not sign a blank charge slip
鈥?Always check the payment details on the charge slip to verify they are true.
鈥?Always ensure that all the transactions mentioned on the bill sent to you periodically are real and in your knowledge. In case you see a transaction that has not been made by you, report it instantly.
鈥?Always keep a check on your account statement online to avoid waiting for the bill to be delivered as per the billing cycle.
In case a fraud has occurred through your personal credit card, do not waste time and have your card transactions checked from the relevant bank. Report the fraud to the fraud management team of the bank and keep a constant follow up about the recovery.
Anthony Taylor - About Author:
Anthony Taylor is an expert in Internet security issues and has been associated with AlgoCharge, which is one of the leading online merchant services to prevent credit card fraud. The company offers an integrated solution to payment processing and fraud management using advanced algorithms.
Practing Staying Present To The Now Self Help Articles | December 20 , 2005
Transformational Counseling is about assisting others to transform their life. Transformational Counseling is a process of assisting others to learn how to let go of the past and live fully in the present. To live fully in the present is to become awaken to what is truly real and to our own natural power.
Much of our life is spent living in the past, and in the process, attempting to fix it, to make it something that it is or was not. It is from living in the past that we also attempt to create our future , the result always being a living of life as it was in the past. Transformation takes place when we learn to exist in and be present to the Now. The practice of staying present to our natural power and to that which is real is becoming conscious to what is so, to the Now, to the present. What is so, the Now , has no meaning and exists outside of thought and language. As human beings we tend to give meaning to everything, including other people, ourselves and even life itself. It is in our meaning making that we leave the present and create our life from the past, a life that can be filled with a great deal of anxiety , fear and stress. What is so merely exists and it is in the experience of the Now that we begin to live a life of power and freedom, a life and way of being free from our past.
A specific technique that is very powerful for practicing staying present to the Now is meditation. It is in meditation that one creates the space to experience a very deep state of relaxation, a state that is very healing to both the mind and body. As we know, in meditation ones metabolism slows down , including heart rate and blood pressure. The consistent practice of meditation will reduce anxiety and stress. For some the practice of meditation allows them to access true Being. For others it is way of reconnecting to the Spirit within us. It is in the consistent practice of meditation that the subject and object distinction inherent in language, thought and meaning making collapses thereby resulting in our access to the present, to the Now. The meditative process can be enhanced by the use of therapeutic relaxation music. Music has always been a very powerful modality for promoting a very deep state of relaxation and even healings. I have found that musical compositions that are harmonically slow, repetitious , with sustained voices, which are rhythmically, random in tempo assists an individual in experiencing a very deep state of relaxation. A second important component of the use of therapeutic relaxation music is the use of binaural audio tones that have been interwoven into the music. The binaural tones, through a process referred to as entrainment or frequ.