Top Tips-How to Protect Your Credit Card

Protecting yur credit card from theft and fraud is vital. Here are some tips to teach you how to reduce fraud when using credit card by telephone,Internet,ATM and travelling.

10 Basic Princples to Protect Your Card

√Always sign your new card as soon as you receive it.

√Always set up PINS on card for another protection.

√Never lose sight of your card to reduce the risk of skimming(using a device to copany the detail from your card).

√Keep your receipt and check them against your statement.

√Check your statement regulary, such as at least 3 times a week to see if there is any suspected or unauthorized transactions.

√Destroy expired or unwanted cards.

√Never give your card to anyone, even family or friends.

√Never write down your PIN and avoid choosing your telephone number and birthday as PIN.

√Watch for people looking over your shoulder when you are using card through ATM and counter.

√Report to your credit card provider immediately if there are any unauthroized or suspected transactions shown on the statement.

Card Security Tips for Telephone Transactions

√Never disclose your personal information and account number to anybody. Remeber bank will never ask you about your account number or password. You need to call you bank to inform any suspect calls.

√If a telemarketer offers you a get-rich-quick opportunity, hang up immediately.

√Ask for more information about the caller and write down a call-back number.

Card Security Tips for Online Transactions

√Always shop online at secure and reputable websites. Anyone can set up a website. If you have doubt about the company, ask for more information before you purchase through the website.

√Ensure the computer you use has current anti-virus and firewall protection.

√Keep copies of online receipts for your future referrence.

√Avoid using public computers for online purchase.

Card Security Tips for ATM Transactions

√Beware of your surrounding when you are using ATM.

√Never write dow your PIN. Cover the keypad when you use ATM.

√Take ATM receipt with you after you finish transactions. These receipts contain all your personal informtaion.

Card Security Tips for Travelling

√Check expiry date of your card before you go overseas.

√Check your card limit and discuss with your bank if you need to increase limit.

√Make note of emergency contact number of credit card provider if your card is lost or stolen.

√Get an additional card for back up purpose in the event of loss or stolen.

√Never leave card unattended in a hotel room, a vehicle or othe recreation areas.

√Save all your receipts for proof of purchase. You can check them against your monthly statement.

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