How to prevent credit card fraud

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  • Worryingly, fraudsters are always finding new ways of tricking customers into handing over their details, which can mean that the victim is not protected by their bank. So it’s very important that you know what you can do to help prevent credit card fraud and debit card fraud.

    Following these simple rules will make it much harder for thieves to get hold of pin numbers, card details and other vital information.

    The golden rules for preventing credit card fraud

    * Always shred all your receipts and bank statements.

    * Don’t use the same pin code for different cards.

    * Don’t use dates or numbers that are easy to guess for your pin code (avoid birthdays, parts of your phone number and so on).

    * Don’t let your computer save your passwords.

    * Don’t forget to watch out for wandering eyes at the cash point – cover up your pin number when typing it in at cash machines and when using card machines at shops, restaurants, bars and so on.

    * Don’t make phone calls to the bank in a public place: make sure you’re always on your own when speaking to them, in a place where you can’t be overheard.

    * Check your surroundings if you’re accessing online banking in a public place (such as an internet cafe).

    * Download anti-virus software for your computer and to keep it updated.

    * Don’t feel embarrassed to ask questions: if someone calls saying they’re from the bank, ask why they’re calling and call them back on a number you find on the bank’s website.

    * Always lock your mobile phone so that no-one can access your mobile banking app.

    * Never write your pin number down (or save it on your phone or computer).

    * Don’t click on links from emails from your bank – go straight to the bank’s website instead.

    * Never give away any banking details in an email that is supposedly from your bank.

    * Never enter your personal details, credit/debit card details, or online account information on a website if you’re not certain that it’s genuine.

    * Scam emails are beginning to look increasingly convincing by including logos and choosing web addresses that appear similar to a genuine banking site: remember that a bank will NEVER send an email asking for your bank details.

    Following these simple rules will make it much harder for anyone to get hold of your card details, and make you less likely to be a victim of credit card and debit card fraud. Don’t be afraid to ask questions if someone is requesting personal information, and consider going to another cash point if the area looks too crowded.