Other steps that you can take

• Always sign your cards with permanent ink as soon as they arrive. 
• Exercise care when using credit cards for telephone and online purchases. Have a credit card with a lower credit limit for these purposes. Do not perform online transactions in public places such as cybercafes. Patronise only reputable and legitimate online stores. 
• Check your billing statements promptly when they arrive, especially after every overseas trip. If you notice any discrepancy, call the card issuer immediately. You should also take note of all interest charges, including overseas billings. Retain receipts for easy verification against the charges that appear on your credit card bill. 
• Do not take too many credit cards with you when you travel overseas.

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This article was first published in The Straits Times.