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| 1. |
TREAT
YOUR CARD LIKE CASH. Keep it in a safe
place out of plain sight. Do not leave
cards in the glove compartment of your
car and never leave your purse or wallet
unattended. Periodically check to make
sure you have all your cards. |
| 2. |
ENSURE
THAT YOU SIGN YOUR CARD ON THE SIGNATURE
PANEL AS SOON AS YOU RECEIVE IT. |
| 3. |
WHEN
SELECTING A PERSONAL IDENTIFICATION
NUMBER (PIN), DO NOT CHOOSE NUMBERS AND
LETTERS THAT CAN BE EASILY IDENTIFIED.
Avoid
using initials, phone numbers or birth
dates. |
| 4. |
KEEP
YOUR PIN A SECRET. Never write down or
carry your PIN - memorize it or keep
the number at home. Never disclose PIN
numbers to anyone. |
| 5. |
NEVER
DISCLOSE CARD INFORMATION (INCLUDING
NUMBERS) OVER THE PHONE TO ANYONE, UNLESS
YOU HAVE INITIATED THE CALL. No one needs
to know your PIN, not even your financial
institution. |
| 6. |
ALWAYS
VERIFY THE TRANSACTION AMOUNT BEFORE
SIGNING A SALES RECEIPT and always check
sales vouchers to verify that the amount
on the customer copy of the receipt matches
the amount recorded on the merchant copy.
Be sure the transaction is complete and
you have received a receipt and that
your card has been returned before leaving.
Always take your charge slips and tear
up any carbons. If you received cash
back, put it away before leaving the
terminal. |
| 7. |
CHECK
SALES VOUCHERS AGAINST YOUR MONTHLY BILLING
OR ACCOUNT STATEMENTS TO MAKE SURE YOU
CAN IDENTIFY ALL OF YOUR TRANSACTIONS.
Verify that your monthly statement reflects
the amount you authorized and that there
are not any multiple charges. After you
have reconciled your billing statements,
tear up all receipts and discard them
at home. Report any unauthorized transactions
or suspicious activity to your issuing
bank immediately. |
| 8. |
MAKE
CERTAIN YOUR INTERNET SHOPPING SITES
ARE SECURE. Never
disclose information about your card
in response to an unsolicited email or
request. |
| 9. |
KNOW
WHO HAS ACCESS TO YOUR CARDS. If a family
member borrows a credit card without
your knowledge, you may be responsible
for those purchases or cash withdrawals. |
| 10. |
PROTECT
YOUR CARD'S MAGNETIC STRIPE. Do not expose
your card's magnetic stripe to magnetic
objects. |
| 11. |
REPORT LOST OR STOLEN CARDS TO YOUR ISSUING
BANK IMMEDIATELY. |
| 12. |
MAKE A RECORD OF CARD ACCOUNT NUMBERS
AND TELEPHONE NUMBERS FOR REPORTING LOST
OR STOLEN CARDS. KEEP THIS LIST IN A SAFE
PLACE. |
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| 13. |
SHRED PAPERS WITH ANY OF YOUR PERSONAL
INFORMATION LISTED ON THEM - especially
credit card applications. |
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