Tip - Be wary of people using cellphones around you in lines or at Wi-Fi locations. Instead of texting they could be videotaping your card number, account user name and passwords. Check your credit card accounts for accuracy and report any suspicious activity right away. Same with bank accounts. If suspicious activity is reported right away, your loss is limited, generally to $50. Stay away from debit cards as a suspect can drain your account before you find out and then you have to work with the bank to even get your money back so the potential loss is greater, at least at first.