It is extremely important to protect your card payment details, as most everyday payments are made through credit/debit cards. Here are some simple steps to keep your funds safe and your card activity in check:
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Do not share your card expiry date and CVV (the three-digit number on the back of your card) with strangers. When combined with your card number, this information may be enough for someone to debit funds from your card.
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Avoid sharing access to your mobile banking app or web banking account with anyone—especially via remote access applications (e.g., AnyDesk, TeamViewer).
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Do not lend your card to anyone. Instead, request that a cashier or waiter brings the payment machine to you so you can keep an eye on the payment process.
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Never show or disclose your PIN code or transaction confirmation code (received from your card issuer) in the presence of others.
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Be cautious when making online purchases:
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Avoid suspicious websites that consist of a single page, have undervalued prices, or lack legal information on the site.
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Verify the merchant: Check for reviews, inspect the SSL Certificate of the website, or contact us for advice before making payments online.
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Beware of fake websites: Your card details can be stolen on sites created solely for that purpose.
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Safeguard your PIN code:
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Do not keep your PIN code stored near your card, and avoid writing it on the card itself.
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If you forget your PIN code, ask your card issuer for assistance or change it via the banking app if available.
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Before using an ATM: Ensure there are no suspicious devices (skimmers) attached to the keypad that might capture your PIN or card data.
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Cover the keypad with your hand when entering your PIN on an ATM or POS machine.
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In case of a loss or unauthorized activity:
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If you lose your card or receive a confirmation code/notification for a transaction you did not authorize, immediately freeze or block your card and contact your card-issuing company.
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Additional recommendations:
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Monitor your account activity regularly: Check your bank statements or transaction history frequently for any unauthorized charges.
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Enable transaction alerts: Sign up for SMS or email notifications from your bank to receive immediate updates on any card activity.
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Use multi-factor authentication (MFA): Where possible, enable MFA on your banking and payment accounts for an added layer of security.
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Keep your software updated: Ensure your mobile device and banking apps are kept up to date with the latest security patches and software updates.
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Be vigilant in public places: Be aware of your surroundings when accessing your banking details on public Wi-Fi networks. Consider using a VPN if necessary for an added layer of security.
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By following these practices, you can further enhance the security of your card payment details and protect your funds against unauthorized access.