1. Carefully review billing statements
Rather than simply paying your credit card bills when they arrive, take time each month to review all statements from credit card companies. The statements are summaries of how you use your credit cards during billing periods. If you save your credit card receipts, you can compare them to your monthly statements. If you see a charge for something you don’t remember authorizing, call the card issuer right away.
Besides, credit card companies sometimes make errors. Reviewing your statements routinely is the best way to detect them. Be sure to ask questions about anything you don’t understand on your statements.