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Credit card safety tips

We’re at that time of year when we are in a hurry and might not pay as much attention to our credit card statements as we normally would. Here are some friendly financial reminders for this holiday season.

Don’t share your card information with others.  Keep your personal information personal. Don’t put your pin number on your card or write it on a paper and leave it in your wallet.

Be careful when you shop by phone or online.  Shopping this way is easy and saves time. But, never give your personal info over the phone unless YOU called them.

Set up account alerts.  Most financial institutions have a mobile app where you can set up account alerts for certain things. Do this!

Avoid being”skimmed.” Skimmers are handheld or mounted devices used by thieves to read credit card information. Be vigilant by ensuring nothing looks odd or jerry-rigged. Also, be aware if anything looks out of place at the ATM. There should never be anything on the ATM.

Review credit bureau reports.  You can check your credit report for free 3 times a year, with one report from each credit bureau. Go to www.annualcreditreport.com

Know what’s in your wallet.  Make a front and back copy of each card and keep it in a very safe place at home. If your wallet is stolen you’ll have all the information you need at home and will be able to get your cards blocked before the thief can do serious damage.

Keep your card within sight at all times.  This might sound funny, but say you’re at a restaurant and you feel a little funny giving your server your card to take to a register out of eyesight. Well, walk with them. There is no law that says you can’t walk with your waiter to watch them swipe your card.

and lastly,

Review your transactions OFTEN.  Help keep your bank and your account safe by checking your account regularly. Remember, VISA only gives you 90 days to let them know about any fraudulent charges. 90 days, that is 3 months. Please check your statements.

 

Be aware of your surroundings. Have a happy and safe holiday.

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