We credit your earned interest automatically to your account and that figures as part of the balance for the next interest-earning period.

我们会自动地把您赢得的利息计入您的帐户的货方，而且这些利息成了您的帐户中存款余额的一部分。

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It's an ideal target for identity thieves, who could use it to obtain more information about you and potentially gain access to your bank or credit card account.

如果你留下了真实的出生年月日，帐户盗贼就有可能根据那个掌握更多你的个人信息，还有可能侵入你的银行帐户或信用卡帐户。

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When you sign up for an account to process credit CARDS on your phone, you'll be asked to estimate how much business you plan on generating through credit CARDS.

当你签约在手机上开通信用卡处理账号，你应该评估你打算通过该信用卡做多少业务？

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It may also offer a free credit monitoring service to help check your account and pay for the initial cost of a security freeze.

FORBES: Identity Theft: What You Need to Know

Making sure you set aside money every month for the 401(k) or for your savings account, even as you're using your credit cards, is one way (flawed, but better than nothing) of taking those steps.

FORBES: Magazine Article

If you overestimate your monthly needs, Zact will actually credit your account at the end of the billing cycle, in effect charging you only for the plan you should have chosen based on usage.

FORBES: Connect