Simple Steps to Protect Your Personal Information

Monday, December 20th, 2021
Updated: December 20th, 2021
The content is accurate at the time of publication and is subject to change.

Personal data is any information that obviously relates to a particular person and can be used to identify them. It is a key aspect of online identity, but unfortunately, it can be exploited wrongly. Some individuals might steal personal data to hijack mailboxes, create fake documents, and use people’s contact information to harass them. Cybercriminals might even commit financial identity theft, which usually involves credit card and bank account details being stolen to make unauthorized withdrawals, purchases, and transfers.

Whether you love to shop or pay your bills online, surf the internet searching for new information, or stay in touch with your friends, protecting your private information from viruses, spyware and hackers in the digital age should be a top priority.

Here are some general tips for protecting your data and privacy against the breach:

Use Stronger Passwords

It is a very common mistake to use the same passwords across all your accounts. Unique, complex passwords with a combination of lower and upper-case letters, numbers and symbols are the simplest but no less effective way to protect yourself. If you are concerned about forgetting the scores of passwords you have, a password manager app might be the solution for you to create and keep track of them.

Set up two-factor authentication on your accounts

Many sites and services give you the option of using two-factor authentication. This extra step of typing a code that’s texted to your cell phone or sent to your email when you attempt to log in should probably already be requested by your issuing bank.

Two-factor authentication is enabled by default on issuing bank accounts. However, if for some reason there is no two-factor authentication, check your account’s setting or contact the issuer directly for assistance.

Don’t share your personal information

Never give your personal information to anyone who calls you on the phone or who emails you requesting your data. There is a big chance it’s a phishing scam. Instead, contact the company that supposedly calls or emails you to verify the request is legitimate.

Avoid unsecured connections

Using an unsecured Wi-Fi connection enables other people to easily access your information. Wireless connections are undoubtedly more convenient, but if you need to log into your bank account when you do not have a secure network connection, try to use your cellular network instead. While thieves can still get into these networks, they’re much harder to hack.

Never save your payment information online

A huge number of people store their credit or debit card information in an app or on a website to make future purchases more convenient. However, having your financial data on a website makes it easier for hackers to use it to their advantage.

Be careful about clicking links or opening attachments

Just not to be tricked into giving personal information by clicking on links supposedly from your issuer, electric or gas company, tax service or other legitimate organizations, don’t use the link or open the attachment if you’re not sure about the source.

Adopt fraud preventing measures

One of the biggest risks of identity theft is that scammers will take out loans or credit cards in your name. To prevent thieves from using other people’s credit information, major credit bureaus offer the following anti-fraud measures:

A credit freeze blocks new accounts from being opened in your name, even if scammers have your personal information, as it prohibits third parties from accessing your credit report. A credit freeze lasts until you remove it. Thus, you’ll need to ask the credit bureau to lift the freeze if you later want to apply for credit.

A credit lock works just like the credit freeze, except it can be lifted electronically. To be safe, it’s advisable to put alerts, freezes or locks in place with all three major credit bureaus.

Bottom line

Due to different ways of committing fraud over the internet, such as stolen credit cards, identity theft, phishing and more, users of the internet must make sure to avoid or minimize the risk to become a victim of cybercrime.

Following a few simple, common-sense steps could be the key to having a productive and safe online digital life.

All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.

Latest Other Card Guides

Maxing Out Your Credit Card: What to Expect When You Go Over Your Credit Limit? January 26th, 2024

When it comes to obtaining а new line of credit, whether it’s a credit card, personal loan, mortgage, or any other way to borrow money, one of the most crucial aspects is the credit limit. Credit limit is the maximum amount you can charge on a particular credit card or other type of credit account. […]

Continue »
How to keep your money safe? Common types of bank accounts November 16th, 2023

Bank accounts offer a convenient and secure place to store cash and build savings. Savings and checking accounts are the most well-known types of bank accounts, but there are actually other options that financial institutions commonly offer. There are different types of bank accounts that can fit specific needs. Apart from Checking and Savings Accounts, […]

Continue »
The best alternative to payday loans: a Paycheck Advance Apps overview September 26th, 2023

If you need to make ends meet before your next paycheck, fast cash options like payday loans or installment loans are not your only options. Paycheck advance apps have been booming in the financial services industry in recent years, and the idea of an app that allows you to borrow money with low or no […]

Continue »
How to cope with the over-budget holiday debts? December 28th, 2022

The holiday season is a time when many Americans spend big on dearest friends, relatives, and themselves. During the festive fuss and buzz, it’s easy to fall into the urge to spend and buy more than you can afford. However, if you don’t want overspending to set you back financially in the new year, here’s […]

Continue »
What Are Electronic Payment Methods and How Do They Work? October 10th, 2022

If you frequently make online payments but remain concerned about your sensitive bank account details, virtual credit card or digital wallet services can give you the added layer of protection you need. A virtual credit card (VCC) is an online only version of your debit or credit card. It’s not a physical card, but a […]

Continue »
Best Credit Offer
Destiny Mastercard®
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
Consumer Rating: 4 / 5
Horizon Card Services Group One Freedom Card
Copyright © 2001-2024 All Rights Reserved.

See the credit card's terms and conditions on the online application page. Note that this website may be compensated by credit card issuers when the visitor applies for a card through the links on this website. We do our best to maintain all information accurate and up to date. However, we do not warrant the credit card information won't change. Click the "Apply Online" button and review the current info on the secure credit card terms page.

Information in these articles is brought to you by Banks, issuers, and credit card companies mentioned in the articles do not endorse or guarantee, and are not responsible for, the contents of the articles.

The webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click "Apply" for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer's website. All logos on the website are property of their respective owners.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer. Opinions expressed here are the author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Reasonable efforts are made to present accurate info, however all info is presented without warranty. Consult a card's issuing bank for terms & conditions. makes every effort to keep information up to date and accurate. However, the information regularly changes and is presented without warranty. Therefore, we strongly recommend all our readers to visit the credit card application page by clicking "Apply Online!" button to review the detailed credit card's terms and conditions. Note that may be compensated by the credit card issuers when the readers apply for a credit card through this site. is an independent, advertising-supported website which receives compensation from the credit card issuers and companies whose offers appear on the site. Compensation may impact how and where products appear on our site, including, for example, the order in which they may appear on the site pages. does not review or list all available financial or credit offers.

You've successfully subscribed!

Please specify the following:All these fields are optional

Thank you for providing this information! We will make sure our letters are useful for You.

User Generated Content Disclaimer: These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.