If you've had your wallet stolen in the past, you know how distressing the experience can be. To know that someone can potentially use your credit cards, your ATM card, and benefit from your personal information is enough to give you an major headache, not to mention the inconvenience. In the event your wallet should be stolen, here are steps you can take now to make this experience less devastating. You should take care of your wallet.
1 Have contact information for all of your accounts stored in a safe place.
Having quick access to your account numbers and contact information for the issuing institutions may allow you to cancel your accounts more quickly before the thief is able to do his damage.
2 Have your work contact information printed on your checks.
This is safer than having your home address listed on your checks. You don't want a thief to pay a personal visit to your home to rob you. Also avoid printing your driver's license and social security number on your checks.
3 Get a non-debit ATM card.
If your ATM card should be stolen, the thief would be able to use the debit function of your card for purchases unless you have one without this feature. Most banks automatically issue ATM cards with debit capabilities. Ask your bank for a non-debit card instead.
4 Make a copy of everything in your wallet.
Make a photocopy of everything you carry in your wallet and store it in a safe place .If your wallet should be stolen, you'll have this important information handy to report to the different credit agencies as well as the police.
5 Always have an emergency credit card at home.
If your wallet is stolen and you have to cancel your credit cards, you'll need a credit card available to make purchases. Although most credit card companies can issue a new card for you quickly, most can't provide same day service since the new card has to reach you by mail. If you have a separate credit card account, you store your reserve card in a safe place in case you need it.
6 Minimize the number of items you carry in your wallet.
If you carry business cards in your wallet, the thief will have instant access to where you work and what you do. Likewise, if you carry your social security card in your wallet, they'll also have knowledge of your social security number. Try to minimize the amount of paperwork and documentation you carry in your wallet on a daily basis. If you must carry your business card with you, store it in a separate area. Another option is to have a separate smaller wallet with just the essentials. You can use this wallet when you're going out on the town or into a situation where the risk of having your wallet stolen is higher.
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