2 of 8: Keep track of your credit card charges. Reading the statement at the end of the month is fine. And be sure to answer any voicemails from your financial institutions. They are now on alert and will be calling many of us to see if charges are legit. Also, consider using a credit card for purchases. With a credit card, you don't pay the fraudulent charge. With a debit card, the money is gone and you petition to get it back. (AP Photo)

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