1) Limit the number of cards you carry on shopping trips - Bring only those that you'll actually use.

2) Keep an eye on your card - Make sure you get it back promptly after each use.

3) Conceal your card while waiting to pay for purchases - Someone in line behind you might try to memorize or copy your account number.

4) Put your card in a secure place - When the cashier returns it to you, don't absent mindedly stick your card in a coat pocket or someplace else where it can easily fall out.

5) Treat receipts carefully - Check them to see if your account number is hidden (with Xs) except for the last four digits. If the full number is visible on a receipt, don't leave it lying around. When your billing statements arrive, compare them with holiday receipts to help spot any unauthorized charges.

6) Be especially selective when shopping online - Shop with companies you know and stick to secure Web sites. Look for a locked padlock, an unbroken key or a lock icon (displayed at the bottom or on the status bar of the screen) to determine if a Web site uses security software.

7) Don't give out your account number unless you initiate the transaction - Watch out for any phone, Internet or mail solicitations that ask you for this information.

8) Fill in blanks on receipts - When dining out, draw a line through any blank spaces on the receipt (i.e. tip/gratuity space if you leave a cash tip) and total the amounts before signing.

9) Don't lend your credit card to anyone - That includes family members.

10) Sign your card on the back - This should be done when a new or replacement card arrives in the mail.

"Even with the sophisticated technology now being used by credit card companies and retailers, fundamental steps and common sense need to be part of a cardholder's defense against credit card fraud and identity theft, both during the holiday season and all year around," says Susie Irvine, AFSAEF's president and CEO.

"Above all, holiday shoppers should exercise caution anytime they reveal their credit card account numbers," she adds.

Founded in 1990 and based in Washington, DC, AFSAEF develops consumer education materials and sponsors research on consumer finance issues. It is affiliated with the American Financial Services Association, a national trade association for market-funded financial services firms providing credit to consumers and small businesses.

Note: AFSAEF's publications include "Managing Your Holiday Spending," a free pamphlet to help holiday shoppers avoid much of the stress and strain of seasonal expenses. Consumers may obtain a copy by visiting ASAEF's Web site at http://www.afsaef.org, or by sending a self-addressed stamped envelope to: AFSA Education Foundation, 919 18th Street, N.W., 3rd Floor, Dept. HS, Washington, DC 20006.