Always keep your valuables close, as the pros only need a second to relieve you of them.

I personally carry a credit card with a small limit, and save the card with the higher limit for times when it’s needed. It is rare you are suddenly in need of a thousand dollars or more in credit without a chance to be at home first.

Remember – money stolen from a credit card can be challenged and taken care of quickly. Debit cards on the other hand can take up to a year to have the situation resolved and your money returned. If you must use a debit card, have 2 checking accounts, and have a debit card on the “risk account”, keeping only a small sum available. With transfers being available immediately, this is a very minor hassle for a huge security boost.

Story here.

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