Our personal information isn't really secure. It probably never has been, but our increasing reliance on digital services and the constant public disclosure of large breaches is only making that clearer.
You can't protect your personal information. Its already in the hands of third parties. All we can really do is take some steps to reduce the pain when our information falls into the wrong hands.
- Never use a debit card or any other card backed by real money. Not online, not in person. Maybe even ask your bank for an old-fashioned ATM card and get rid of the debit card altogether. When someone does make fraudulent charges, you don't want to have your real money disappear while you wait for your banks fraud department to investigate and refund. With a credit card the fraudster is merely racking up temporary debt that will disappear when the investigation is complete. In the meantime you can use one of your other credit cards (you should have at least two) and your real money is never touched.
- Use a passwo