1) Sign immediately. Sign the signature panel on your credit cards as soon as you receive them and keep duplicates in a safe place.

2) Memorize it. Don't carry your PIN (Personal Identification Number). Memorize it or keep the number at home.

3) Verify your card. Be sure your credit card is returned after a purchase, and that it is indeed your card.

4) Wait for it. Don't leave your credit and debit card receipts at the checkout counter. Always take your charge slips and tear up any carbons.

5) Save your receipts. Check them against your monthly billing statements to make sure you can identify all of your charges.

6) Report any unauthorized charges immediately.

7) Shred or tear it up. Discard receipts at home and tear up all receipts before discarding.

8) Keep it private. Maintain the privacy of your account statements.

9) Out of sight. Never leave your purse or wallet unattended and always keep your cards out of plain sight.

10) Never lend your card. Your credit card is your responsibility. Also, periodically check to make sure you have all your cards.

11) Keep a list. In a separate location, keep a list of account numbers and telephone numbers to call if your cards are lost or stolen.

12) Report immediately. No matter where you are, report lost or stolen cards to minimize loss and liability.

13) Check statements and watch your charges. Be cautious when giving your card number over the phone. Verify that your monthly statement reflects the amount you authorized. Also watch for multiple charges.