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For most consumers, it's a familiar process: A new credit card arrives in your mailbox, you open the envelope, and the card bears a sticker reading, "Please call from your home phone to activate your card." Until then, your brand new credit card is as useless as a paperweight -- and just as secure, right? The startling truth is that while some unactivated cards are automatically declined, many others sail through a purchase without a hitch.

In those situations, anyone could come along, take that new credit card from your mailbox and use it.

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If you activate your card online -- an option offered by an increasing number of banks -- you'll need to log into your online banking account; that, in itself, can serve as another way to authenticate that you're the rightful owner of the credit card.

However, even those safety measures won't keep a new card secure from sophisticated thieves, says Stevenson.

The comments posted below are not provided, reviewed or approved by any company mentioned in our editorial content.

In action, the music sounded a little more frenetic than I had imagined it would, but it's a neat app nonetheless and great for those who like to explore new music while running.The editorial content on Credit is not sponsored by any bank or credit card issuer.The journalists in the editorial department are separate from the company's business operations.running with music, especially new music picked to match your activity, you might like Rock My Run (.99 per month).This fitness app plays music and changes the tempo based on your footfalls or heart rate, while also keeping track of your runs.

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Cynics would say the likely reason is that your phone call to activate your credit card provides your bank a golden opportunity to sell you something. "We have a credit card, which routinely seems to be compromised in some way, according to the credit card company, so they cancel the card and send us new ones," she says.

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