A credit card use and security system method for use in preventing fraudulent use, the method comprising the steps of:
- a) opening by a single individual a single account with a single financial institution, the single account with two different card numbers, with a first card number for a physical main credit card and a second card number for a physical spare credit card for the single individual, with both physical cards having pre-set expiration dates and being directly operatively linked to the single account and initially both are in a deactivated state;
- b) the single individual receiving from the single financial institution credit card provider two deactivated physical credit cards with the pre-set expiration dates, the two physical credit cards comprising a first card designated as a main credit card, which is activated by the single financial institution credit card provider upon confirmation of receipt by the single individual and provided with a PIN to enable the main physical credit card, by entry of the PIN, to physically interact, with at least one of an ATM, for the disbursement of cash and a credit card reader for authorized payment, and a second card designated as a spare credit card, which remains deactivated, with the spare physical credit card being blocked from being activated for said interaction with the ATM, for cash disbursement, and credit card reader, for payment of a sales transaction, at all times while the main physical credit card is active for said interaction, whereby the main and spare physical credit cards are never able to be active at the same time;
- c) the single financial institution credit card provider sends a notice to the single individual after a set period of time informing the single individual customer that the spare physical credit card will be activated and the physical main credit card will be deactivated at a set time period sufficient to give the single individual time to call the single financial institution card provider to confirm the physical spare card activation and physical main card deactivation;
- d) when the single individual fails to call, both physical cards are deactivated until the single individual calls to confirm activation;
- e) when the single individual calls the single financial institution credit card provider to confirm the activation and deactivation of the physical spare credit card and physical main credit card respectively as in paragraph c, the physical main credit card is deactivated, and optionally set as a new deactivated physical spare credit card and the original physical spare credit card, is activated, to become a new physical main credit card;
- f) the single financial institution credit card provider repeats the process of paragraphs c through e until both physical cards expire at the respective pre-set expiration dates.