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What to do: Maintain healthy credit and stay on top of it with regular monitoring. If you are an authorized user on someone else’s account, the card may have been replaced or the account closed without your knowledge.Read notices that you receive by mail or email from your credit card issuer. What do to: Check in with the account holder to find out about any activity that could affect your ability to use the card. If you never use your card for anything bigger than lunch and you one day plunk the card down for a plasma T. That’s because your credit card issuer considers the purchase behavior to be out of character for you and could be an indication that someone else is attempting to use your card. If you live in Cleveland, Ohio and you one day try to make a purchase in Liverpool, England, you might be turned away.

If you’re looking for a new chip-and-PIN card, not every bank issues them. Temporary holds count against your credit limit even when they don’t result in actual charges. Some transactions require a credit card versus a debit, prepaid or gift card. Your credit card transaction might be stopped in its tracks before it ever hits the card reader if the salesperson believes you don’t look like the type of person who would rightfully own the card.She and her husband have an emergency fund, two homes, a few vehicles, a handful of modest investments and minimal debt.Both are successfully self-employed, each in their own field. The offers that appear on this site are from companies from which we may receive compensation.This compensation may impact how and where products appear on this site (including, for example, the order in which they appear).Responses are not provided or commissioned by the bank advertiser.

Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser.

Even if you don’t, the issuer might occasionally pull your credit report card and reevaluate your creditworthiness without your knowledge.

If an issuer decides to change the terms of your credit account, by lowering your credit limit for example, it must provide you with notice 45 days in advance.

Credit card issuers employ software that analyzes the likelihood of fraud in milliseconds. Certain transactions, like gold, electronics and cash advances, are more likely to be red-flagged, as is a large purchase that immediately follows a small one. Again, your credit card issuer knows the geographic boundaries of where you normally make your purchases and anything outside of that area, domestic or international, could indicate that an unauthorized person is attempting to use your card.

This is especially true in areas that are known for fraud.

The editorial content on this page is not provided by any company or credit card issuer.