How to stop being a ‘deadbeat’ credit card user

In the past year, the number of people who say they don’t have a credit card account has more than doubled, according to a survey from

This was the first time we saw this trend in the United States, the study found.

About half of those surveyed (51%) reported not having a credit or debit card in the past 12 months.

But, as the survey also found, the rate of card theft in the U.S. has also increased.

In 2016, card companies reported the highest number of card thefts in the country at 10,967, according the American Bankers Association.

And, of those who said they were thieves, just 2% said they had stolen money from other people, the association reported.

Card companies are responding to this trend by offering discounts on their cards and making it harder for criminals to steal them.

But how can consumers avoid getting robbed?

For starters, it is important to remember that most people will have one or more credit card accounts.

And many people don’t know the details of each of them.

In fact, some card issuers have begun to make it harder to use a credit-card account to pay for other things.

Some credit card issuors are even changing their terms and conditions to make the cards more appealing to criminals.

Some cards can also be tied to one or two other accounts.

So, if you’re worried about getting stolen, it may be worth considering these tips.


Don’t open any new accounts with your credit card issuer.

The last thing you want to do is open a new credit card after the card issuer has already stopped processing your credit cards.

If you’re looking to change your card, you’ll need to contact your issuer.


Make sure that you have enough funds to cover your purchases.

Some card issuances, such as American Express, have said they will only offer a $10 bonus on all transactions made on the card for a year after the initial purchase.

So if you open a $50 credit card and add another $10 to the balance, you can’t get that bonus for another year.


Pay for any unauthorized charges by using cash, check or credit cards you have in your name.

If the credit card company has a fee on the check or card, use the cash.

And don’t use the check card for any other transactions.

You can pay for your bills by using your credit or bank account.

If your credit is tied to an existing credit card, check your bank statements to see if they report any unauthorized fees.


Don,t open any accounts that require a PIN.

PINs are a way to prevent fraud.

Some people use their debit cards to open new accounts or change their billing addresses.

But many people also use their credit cards to pay with cash or check or by making a debit card purchase.


Keep a record of your purchases, transactions and card transactions.

Some of the most common ways consumers have gotten stolen are by using credit cards in the wrong place, opening unauthorized accounts, making a payment with a stolen credit card or by using an unauthorized card to pay someone else with the card.

If someone steals your debit card, the most likely way to recover it is to report it to your card issuer, or even call the credit-reporting agency.


Don and pay your bills with cash.

A recent study from found that nearly 70% of cardholders who received fraudulent payments in 2016 used cash or another form of payment.

This included: A staggering 70% who paid in cash (21% of all payments); A staggering 57% who used a credit cards with a $1 or $2 annual fee (19% of cards); And, 6% who had a credit union debit card with a 2.5% interest rate on it (10% of the cards).


If it’s a holiday, consider getting your cards on hold for at least a few days.

This can save you a lot of money.

The average charge on a credit credit card is only $35 per month.

If that means you’re going to be at home for a few weeks, it could be worth it to hold your card accounts while you’re on vacation.


Donate a little cash to a charity.

Some charities are trying to help people who are having difficulty paying their bills.

But don’t give away your cards to the wrong people.

Some nonprofit organizations have put up signs that say “No Credit Cards Used.”

They have been posting this message for several years now and have even changed their policies to discourage card fraud.


Know your rights.

If a credit company has told you that you’ve violated its terms, ask to speak with an attorney.

It is a good idea to contact the card company directly if you have concerns.


Make a note of the credit information that you