Credit card fraud
If you suspect fraudulent use of your credit card, you must contact your credit card company and take the necessary steps that they outline for you. When we receive the necessary information from your credit card company or bank, we will take appropriate action with your account. Call customer service at the telephone number on the back of your credit card.
Ten Tips to Protect Yourself from Credit Card Fraud
- Never give out your credit card or personal information to anyone who calls or emails you (that is always fraud, because credit card companies, banks and businesses will not call or email you to ask for this information)
- Cover the pad from view of others (including store clerks) when entering PIN using Debit Cards
- Use a credit card instead of debit card for telephone or on-line purchases (the rules protecting consumers are better for credit cards and thieves won’t have access to your money in the bank)
- Only use reputable companies for Internet purchases (if you find a good deal, before you buy from that company do a short search of it on line)
- Save receipts to compare with your billing statements, but don’t leave cards or receipts lying around
- Shred before throwing away old bank statements
- Shred credit card applications you get in the mail (or someone will apply in your name but use another address)
- Don’t sign blank receipts (make sure the total amount is filled in as well as any line for tips)
- Keep a record of your card numbers, their expiration dates, and the phone numbers in a safe place so you can quickly report lost or stolen cards
- Report any questionable charges to the card issuer right away by telephone and follow up in writing (you must contest in writing within 30 or 60 days or you lose your rights)