Take a few simple steps and make it difficult for someone to use your details

* Don't discard transaction slips, they display your card number. What you consider rubbish can be useful to fraudsters.

* Never offer your card details to someone who telephones you out of the blue, even if they claim to be from a reputable company.

* Make sure your bank and credit card statements arrive when due - keep them somewhere safe.

* Arrange to redirect all your post when you move house.

* Don't respond to unsolicited emails requesting personal details or financial information.

* Don't be tricked into telling anyone your personal details e.g. Mother's name, Work details or Date of birth.

* NEVER disclose your PIN to anyone. You will never be asked by a bank to disclose your PIN.

* When using a cash machine or point of sale terminal, be wary of anyone trying to watch you enter your PIN. Don't let yourself get distracted.