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The Insurance Council of New Jersey offers these tips to protect you from becoming a victim of credit crime.

When shopping at the mall:

Carry only the credit cards that you plan to use. Not only will this reduce the risk of theft, but it may also discourage unnecessary spending.
Guard your card. It's not difficult to memorize credit card information over someone's shoulder. Take the card out of your wallet when it is needed, and as soon as the cashier hands back your card, put it away.
Tear up carbons and protect your receipts. Thieves often steal credit card information from discarded papers. Make sure any credit card information is shredded before it's thrown out.
Is it yours? With all the activity going on at the sales counter, it's possible that cards may get switched. Mistakes can happen. Check to make sure the cashier returns the proper card to you.
If you believe your card is lost or stolen, contact mall security and your credit card company immediately.

A growing number of people are avoiding crowds and turning to the Internet to make their purchases. In order to take full advantage of the Internet as a powerful shopping tool, consider these safe on-line shopping tips:

Shop secure web sites. You can identify a secure web page by an icon, usually on the home page, that indicates a secure site certification. Secure site browsers/addresses may also use "https://" instead of "http://". At a secure web page, your information is encrypted so that only the intended receiver can unscramble your information with a specific protected key that unlocks your information so that it can be processed.
Be cautious about making transactions on a web site that doesn't offer a secure transaction option. When in doubt, call the company directly.
Most web sites ask you to register. Protect your password. Do not use the same password as you use to log on into your Internet service provider or network. Use a different password for each web site you register with.
Do not use bank or debit cards when shopping over the Internet. Monies are immediately transferred and the U.S. federal consumer credit card protection laws for claims/disputes do not apply to bank cards - only credit cards.
If you are the victim of credit card theft, don't despair. Under consumer credit card protection laws, you are only liable for up to $50 per card. In addition, your card is typically credited up to $1,000 per incident. Your homeowners insurance also provides limited coverage, usually $500, for lost or stolen cards.