Eric Audras/PhotoAlto Fourteen times a day.
That's how often the average Facebook (FB) user with a smartphone checks the social network, according to a 2013 International Data Corp. study commissioned by Facebook. Add all those visits up, and smartphone users spend about a half hour each day just on that one website. We don't think anything of visiting our favorite sites every day, often more than once. But what about your bank's website, or your credit card issuer's? How often do you visit them? The answer is likely very different. And in this age of data breaches and fraud, that can lead to trouble. When you log in to your bank or credit card website, you might be surprised to see just how many transactions there are. After all, you probably can't recall every single purchase you made in the past 30 days –- possibly even the past 10 days. We all have more important things to think about than the last time we got gas or a soda at the convenience store. That's a problem. And it's one that credit card and debit card fraudsters count on. The $2 Test One of the most common ploys used by credit card fraudsters is to make a small purchase at a gas station or a convenience store to make sure that the stolen credit card information they have is valid, and that the account is still active. Keeping that initial purchase small helps them avoid setting off any alarm bells with the victimized cardholder.
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