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5 Tips for Better Credit Card Security

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by Sarah Orrill

24/04/12 in Card Fraud/Theft |

Credit and debit cards are a very common and safe way to pay for goods and services in the UK and overseas. However card fraud can still happen so it’s important that you consider taking steps to minimise the chances of card fraud.

Here are five tips that could help you on the path to better card security…

1. Keep an eye on your card

Try not to let your card out of your sight when making a transaction, and don’t leave your cards unattended in public places.

 

2. Protect your PIN number

You should be the only person that knows your PIN. Remember your bank or the police will never phone you and ask you to disclose it; anyone who does ask you for your PIN is likely to be a fraudster.

Cash machines are generally very safe, however they can be used by criminals to steal your card details. Always keep one hand covering the keypad when entering your PIN number and if you think someone has seen your PIN change it immediately. Don’t forget if you spot anything unusual about the cash machine, or there are signs of tampering, don’t use it and report it to the police.

 

3. Shop online carefully

Make sure you only shop on secure sites. Ensure that the locked padlock or unbroken key symbol is showing in your browser and that the beginning of the online retailer’s internet address has changed from ‘http’ to ‘https’. This tells you that the connection is secure and that you’re safe to shop. Always log out properly after shopping online especially if you have been using a shared or public computer.

 

4. Check your bank statements

Manage your finances effectively by regularly checking recipts against statements. If you discover any unfamiliar purchases contact your card company or bank asap. Remember to store your financial documents such as bank statement safely and shred them when you dispose of them.


5. Credit card insurance

If you are looking for additional peace of mind, credit card insurance can be of help should the worst happen. Whether you’re at home or abroad, one free phone call will cancelyour missing cards straight away and get replacements ordered to the registered address of your cards.

With CPP Card Protection you will also benefit from lock and key cover so if you lose your keys you can get home and get in as well as up to £20,000 insurance cover if you experience card fraud and your card issuer refuses to pay for the unauthorised transactions and up to £5,000 emergency cash advances and cover for handbags and travel documents.

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