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George, Utah, who used a stolen credit card at a nail salon for a mere . So if your initial contact attempt to file a report tells you that one is unnecessary, persist.

"Say, 'Look, I'm not expecting you to conduct the investigation -- I just want to clear my name.' Then ask to speak to a supervisor. Expect neither sympathy nor sirens While one of the first steps after discovering the crime is to call the police, what you're instructed to do after that depends on the department.

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The perpetrator then subsequently reports the card lost or stolen in order to obtain a new card and make fraudulent purchases with it.There are many ways that credit thieves gather your personal information: - Using lost or stolen credit cards - Stealing from your mailbox - Looking over your shoulder during transactions - Going through your trash - Sending unsolicited email - Making false telephone solicitations - Looking at personnel records What Can You Do Next?According to Rob Douglas, editor of Identity Theft, anyone who spots an unauthorized charge on their statement should call the police to file a report."You may have to contest the charges or demonstrate to a credit card company that you are 100 percent innocent," says Douglas. It's smart backup." Adding a credit freeze on your files with the credit bureaus is also a good idea, say experts.Account takeovers typically involve the criminal hijacking of an existing credit card account.

Here an offender obtains enough personal information about a victim to change the account's billing address.Types of Credit Card Fraud Credit fraud is a broad term for the use of a credit card (or any comparable type of credit) to buy goods or services with the intention of evading payment.Credit fraud includes: Identity theft: the unauthorized use of personal identification information to commit credit fraud or other crimes Identity assumption: long-term victimization of identification information Fraud spree: unauthorized charges on existing accounts Credit card fraud schemes generally fall into one of two categories of fraud: application fraud and account takeover.Another problem is that some officers, especially those working in areas of high violence, perceive card fraud to be somewhat victimless."Banks and credit card providers usually cover the cost, so it moves back in priority," says Di Domenica, who rejects this mentality: "It's a violation of a person's integrity, and there is a psychological harm." Douglas believes that the police department has become far more open to taking the reports lately, especially in light of huge busts, such as the one in Queens, New York, where 111 people were indicted on a charge of bilking million in a counterfeit credit card ring, to minuscule arrests such as that of Krisan Moss, of St.A swipe here, a swipe there—credit card spending can easily get out of hand, and when you’re saddled with credit card debt, the road toward financial freedom can seem endless.