Paper or Plastic: What Have You Got to Lose?


Fact Sheet 32Paper or Plastic:
What Have You Got to Lose?

Once you decide to buy something, you then must determine how to pay for it. Do you hand over cash? Write a check? Pay with a credit card? Or use a debit card and have the payment automatically deducted from your bank account?

If you’re like most people, you use a combination of paper, plastic and electronic payments. Pros and cons exist to whichever payment method you choose. Many of us decide quickly about the method of payment and spend too little time thinking about the potential costs or consumer protections of each method.

But you should be aware that thieves are inventing new ways to steal consumers’ account information. For example, some crooks have learned to use “skimming” devices to steal credit card or debit card information off card-swipe machines. This guide seeks to inform you about your rights as well as outline the potential risks and benefits of different payment methods.

Holiday Shopping? Ten Timely Tips


During the holiday season, you may be shopping more frequently and under more crowded and frantic conditions.   Follow these tips to help avoid scams and rip-offs.   Be a privacy-smart consumer!  Wherever you happen to shop this holiday season--the mall, online, or on Main Street--following these tips will help you have a safer and more private holiday season.

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