Holiday Fraud

October 3, 2019

3 Simple Steps for a Safer Shopping Season

Comment October 3, 2019 by Triangle Credit Union

Crazy crowds and your child’s endless wish list make the holiday shopping season stressful enough—you shouldn’t have to worry about fraud on your credit or debit card! Whether you shop at the mall or prefer to buy online, here are three simple precautions you can take now to ensure your shopping season is a safe one!

1. Protect Your Cards – The first step for those of us who love to visit the mall and window shop, you must keep your wallet/purse on you. Use a smaller purse and or wallet if possible and only carry the cards you will use that day. After you buy something, make sure you tuck your card back into your purse or wallet right away. When you shop online, shop at reputable online retailers and look for the secure URLs that start with “https://” and shows a lock symbol.

2. Use Card Controls – Most financial service companies that offer debit and credit cards, provide free card apps that protect you from fraud. These apps provide alerts that you set to ensure you are the one using your card. You can also turn your card off and on and set custom spending limits. Triangle’s credit and debit card app can be found on any app store—just search TCU Cards to download.

3. Register Your Cards – Register your debit and credit cards with an identity protection service. If any of your cards are lost, stolen, or compromised, you simply call the service number and report it to your ID protection provider. The provider will shut down the cards, alert the merchants, and monitor potential fraudulent activity—plus, many cover a portion of the costs incurred with any fraud. Triangle’s Better Checking account offers IDProtect® for our members and their families for those who register with the service at IDProtectME24/72.

These three simple steps, not only offer you protection against fraud, but give you peace of mind for you and your family so that you can focus on what really matters during this special season: each other.

Source: The Balance, How to Safely Use Your Credit Card Online, Latoya Irby, February 2019

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