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The moral to these horror stories is that if your Social Security number is stored on any computer anywhere, hackers will find a way to access it, or a compromised or disgruntled employee may well walk out the door with it.If your doctor, gym, or child’s grade school claims otherwise, that their security systems can protect your private data better than the CIA, FBI and Scotland Yard, to quote Monty Python: “Run away!

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When President Obama mentioned that he’d recently had his credit card declined at a New York City restaurant, the news was kind of funny.

“[If] you make purchases the same day in distant locations — you buy breakfast in Toledo and then you’re shopping in New York that evening — your card issuer may not know you’re traveling and could decline the purchase,” says Gerri Detweiler, director of consumer education for If you’re traveling overseas, especially in a country where card fraud is more prevalent, or if you’re making a payment to a business based overseas, that could get your card flagged, experts say. If you got a limit decrease on a credit card that you forgot about, or if you missed the notification, you could be denied if a purchase would push you over that new limit, says Odysseas Papadimitriou, founder and CEO of Evolution Finance.

On a related note, if your card has expired and you’re not using the new one, you could be declined. Businesses including gas stations, hotels and rental car companies often put a hold for a certain amount — which can be hundreds of dollars — onto your card when you initiate a purchase, warns Edgar Dworksky, founder of Consumer World.

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Offer a next of kin who knows the number instead, and your phone number for billing issues.) Almost every day somebody asks for your Social Security Number and, like the Grand Marshal of a parade throwing rose petals or candy to the crowd, you probably give it up without giving it a second thought — because that’s what you’ve always done.