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7 ways to spot unwanted charges on your credit card

Spot honest mistakes—and signs of credit card fraud—with these easy tips.

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We talk a lot about monitoring your spending for your wallet’s sake—but it’s a security thing, too. Sometimes, errors happen by accident: the store clerk entered the wrong amount before swiping your card, for example. Other times, it’s flat out fraud by a thief who has gotten their hands on your credit card number. No matter how or why itShow More

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Be a hawk

While it’s wise to check your transactions periodically, it’s impractical to do it constantly and still lead a normal productive life. So set a schedule to check your statements. Say it’s at a certain time every week: send a calendar invite to yourself. Keep a close eye on your statements. Show More

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Be proactive when traveling

Before you jump on a plane or hit the road, call your credit card company to notify them of your travels and avoid any red flags. Calling in advance avoids the risk of cancellation as well.

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Use your bank's tools

Use your bank’s or other personal finance app to monitor your statements and check for duplicate charges or mistakes on the go.

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Watch your subscriptions

It’s easy to sign up for a free trial and forget to cancel, ending up with recurring charges for subscription services. Make a note to yourself by marking it in your calendar when the free trial period for the app or magazine is up so that you aren’t hit with surprise charges when the realShow More

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Don't get duped

There are a lot of sketchy websites out there, so if something looks weird, check on it. The Better Business Bureau has easily accessible reports on almost half a million companies. Don’t get trapped as a member on a site that is untrustworthy and end up never getting anyone on the phoneShow More

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Don’t be a debit devotee

Yes, there is a time and place for debit cards. But credit cards offer much more consumer protection. If you’re shopping online or buying something you have doubts about, always use a credit card!

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Watch your tips

It doesn’t happen often, but sometimes waiters and restaurants unwillingly (or, sadly, willingly) mess up the charge on your bill. Watch your statements to make sure they have charged you the right amount, including the tip you actually left. A few extra dollars here and there can really add up.

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