Lost or Stolen
IF YOU HAVE A LOST OR STOLEN DEBIT CARD PLEASE CONTACT US AT THE CREDIT UNION
IF IT IS AFTER HOURS PLEASE CALL 1-800-528-2273
Here are 4 steps you should take to prevent credit card theft:
1. Evaluate websites before entering credit card data
People who commit credit fraud use the Internet to their advantage by stealing credit card information from unsecure websites as well as fake sites.
When shopping online, be sure the page you’re on a site that says has “https” on the address line, which indicates it’s secure. You should also examine the site for proof of authentication services. For example, VeriSign is a trusted company that secures the information entered in the purchase screens for online retailers. If the site lacks a security policy, doesn’t bear the seal of a trusted authentication service provider or phone number, it’s possible that your credit card information will be exposed to hackers.
2. Keep your credit card protected and out of sight
Be aware of your surroundings, and don’t present your card until it’s necessary. Refrain from reading your card number out loud in public; keep your PIN hidden on keypads by use of your hand or body; and ensure if a cashier requests to see your card, it is always in sight.
3. Regularly check your statements for odd charges
If credit card fraud has taken place, your best chance of repairing the damage is to catch it early. Look for charges from places you know you did not make purchases. The general thought is credit card thieves will start with small charges to see if the cardholder notices. For example, you may see purchases at a sandwich shop, gas station or online retailer for just a few dollars. If you spot these charges, follow the steps of reporting a stolen credit card immediately
4. Shred your statements and card specific documentation
Thieves going through the trash is another common source of credit card fraud. To protect yourself from this low-tech scam, shred your statements and other papers that show your card number, rather than throwing them in the trash.
If you have had your card stolen or have lost your card we can help:
If you have already had a card stolen and didn’t take the steps needed to cancel it contact us at the credit union. Visa will cover most fraud transaction over $25.00. We have forms up front that will need to be filled out and signed to attempt retrieving your money. Please don’t wait, and also contact your local authorities if your card has been stolen.