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The effect of reading this document is amazing. Even if it happens to be the case that you all haven`t the slightest idea regarding the field of the situation of visa mastercard payments this composition was written to expose facts which you will be surprised to know that the biggest experts of this field may not have any idea about!
Armor yourself against charge cards scams by following the easy recommendations given below:
Do`s:
• If your plastic card gets lost or stolen, ensure that you report the loss immediately.
• When you get rid of your old charge card when your account has been renewed or upgraded, make it a habit to cut across the card number prior to disposal.
• Make it a point to stow your charge cards where it`s secure. Regard it as carefully as you`d treat your hard currency.
• Do make sure the card is swiped in front of you.
• Please make it a habit to ensure that you`re on your own when you use an ATM to withdraw cash.
• If your card is held back by the ATM, report the problem to the bank and/or police right away
• Before you use an ATM, make very sure that there are no strange gadgets in the insertion panel.
• Don`t ever forget to get possession of your charge card after completing your ATM transaction.
• In case you happen to see any suspicious looking people at or around the ATM, do notify the bank`s security department instantly.
• Make it a regular practice to alter your ATM PIN (personal identification number) every three months or so.
• When you make any transactions, please check that the charge slip includes all the transaction details before you sign it.
• Do remember when your card bill is due. Make it a point to follow up with your card provider in case your monthly statements don`t reach you when they`re due. Not getting charge cards statements could signify that an identity thief has gotten access to your card account and notified the company about a change of address as a ploy to prevent you (and the card company) from catching on.
• Please don`t get taken in by promotional scams. ID thieves might make use of spurious deals in order to get you to divulge your card details.
• Please keep all your personal information in a safe and inaccessible place in your home, particularly when you`ve got housemates, employ outside help, or if there are workers doing any kind of repairs or renovations in your home.
• Make it a point to endorse (by signing) your creditcard the minute you get it.
• Please `take stock` of your cards periodically in order to ensure none have been misplaced or stolen.
• Make it a point to destroy and dispose of receipts, airplane tickets, travel schedules, together with anything else that includes your card account numbers.
• Make it a point to put away documents with sensitive information in a safe place. Please keep an updated itemization of all online credit cards, card account numbers, expiration dates, as well as the client service telephone numbers in a safe but readily accessible area, which will make it easy for you to promptly get in touch with your card company in the event that any of your cards is stolen or misplaced.
• Feel free to call your card company to get a quick response to your questions or concerns.
Don`t`s:
• Never disclose your plastic card numbers/ATM personal identification number to any person.
• Make sure that you never give your creditcard to any person, even if he/she claims to represent the bank.
• Make sure that you never get taken for a ride by any stranger offering to help you use the ATM machine.
• Please do not write your ATM PIN on the card or even in a pocket diary that you carry in the same place as your credit cards online.
Do`s and don`t`s during purchase transactions over the internet:
• Whenever possible, transact on websites that insist on authentication of CVV or Card Verification Value, sometimes known as CVV-2 (the 3 or 4 digit value that follows the account number, printed on the signature strip at the reverse of the credit card), or only deal with web sites that are supported by Verified-by-Visa or MasterCard SecureCode.
• Do use your best judgment when providing confidential personal information via the internet. Never disclose your personal or your account information to any individual or entity about whom you harbor any doubts or misgivings. Always make sure that you check out a business`s legal standing by visiting their web site, contacting them by using a telephone number obtained from a trustworthy person or internet source, and/or by getting a recommendation or reference from a trustworthy source.
• Make sure that you never share your passwords with anybody. Certain online merchants may ask you to sign on by providing them with a username and password before proceeding with the transaction. These passwords ought to never be given out to anyone else -- just as you`d keep your ATM PIN to yourself.
• Do pay attention to clues that signify a secure site. Identify security clues like an icon representing a closed padlock at the bottom of IE (or your favorite browser), or a web address that opens with `https://` (which stands for `HyperText Transfer Protocol, Secure, to handle secure transactions. These signs mean that merely you and the vendor can look at your payment details.
• Don`t ever state your payment or other transaction information by means of e-mail. Information which is transmitted through cyberspace (such as e-mail) isn`t completely secure from being viewed by people other than the sender and recipient. The majority of reputed merchant web sites make good use of data encryption technologies that scramble sensitive information (such as account numbers or access codes) to prevent unauthorized use and which will safeguard your creditcard online details from being accessed by third parties as you conduct an online transaction.
• Make it a point to keep a listing of your online transactions. Just as you save transaction receipts when you shop at a brick-and-mortar retailer, you need to keep records (either as hard or soft copies) of goods or service you`ve charged to your creditcard online. Have verifiable evidence of your online transaction by saving and/or taking a printout of the electronic receipt.
• Always go through the plastic card billing statement that you get every month and do so systematically. Take immediate action if you find anything that looks dubious, to forestall any potential fraudulent activity before it takes place. In addition, immediately inform your card company about any email that could be a form of fraud (such as phishing, in which a scam artist uses an authentic-looking e-mail to con recipients into giving out sensitive personal information).
• Please be on your guard when it comes to fraudsters offering you amazingly good deals. Fraudsters and scam artists who steal people`s identity might tempt you with phony bargains to persuade you to tell them your creditcard online information.
• Should you use credit cards to buy goods or services online in Internet cafes or from public-use computers, always double check that you erase the history of websites visited/ accessed.
• Make it a point to open and reply to only those e-mails that meet elementary safety criteria, like:
- Do you know who`s sent you the mail?
- Have you got e-mails from this sender before?
- Are you due to get e-mail with an attachment from this person?
- Does email from this sending mail -- with the contents mentioned in the subject line plus the name of the attached item -- mean anything to you?
- Has this email been infected by a trojan or virus?
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The in-depth details of the matter inside this visa mastercard payments publication are made to offer you a clearer insight at what it really is about.
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