Review every charge — even small ones.
Fraudsters often test a card with low-dollar purchases at fast food restaurants or convenience stores to confirm the account is active before attempting larger transactions or selling the card information.

Watch for fake online storefronts.
Some scam websites closely mimic well-known retailers. Red flags include website addresses that change when clicking on products, unusual payment methods, or “too good to be true” pricing.

Be cautious of shipping scams.
Fraudulent sellers may provide fake tracking numbers or misleading delivery updates, creating delays that give scammers more time before being detected.

Check for unwanted subscriptions.
Promotional offers or “free trials” can quietly convert into recurring monthly charges. These are easy to overlook if you’re not reviewing statements carefully.

The Bottom Line

Taking a few minutes each month to review your credit card activity can save you from months of frustration. Catching suspicious charges early helps protect your finances — and your peace of mind — all year long.