If you’re like me (and since you’re an online student, chances are that you are), online the better part of the day every day, you probably use the internet to manage your credit card accounts. Ever come across a charge that you’re sure you didn’t incur? Maybe it is some annoying fee charged by the bank. Maybe it is something more sinister, like a fraudulent charge made to your account. In either case, it can be difficult to determine. You could spend hours navigating automated call centers or clicking around confusing websites. Or, if you’d like to avoid the $300 the average American pays every year in bogus or otherwise unwanted credit charges, you could join BillGuard. BillGuard monitors all your credit accounts for erroneous charges and cross checks suspect items against known scams and chatter from the Better Business Bureau and other online sites dedicated to tracking fraud. If you’re online as much as I am, this service is great because it alerts you to suspicious transactions very early, before real damage can be done to your accounts. Read more about how it works at Credit.com.