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• Read your credit card agreement and billing statements carefully for the policies regarding dispute notification requirements. You may be required to send any dispute in writing to have it resolved.
Only provide personal identification when requested by a cashier or sales associate. Don’t give your information out voluntarily.
Credit or Debit?—What Should I Do?
You can use a credit card or a debit card just about anywhere you go. In fact, many locations won’t accept checks anymore leaving you with only two options—use a card or carry a lot of cash. While both are susceptible to theft, if you lose a credit or debit card, you can call the financial institution and report it immediately, thus preventing you from sustaining a big loss. If you lose cash, well, you’re just out of luck the majority of the time.
But when is the best time to use a debit card and when is the best time to use a credit card? See the charts on the next page for a few things to think about that will help you decide.
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