Armor yourself against
capital one mastercard scams by adhering to the easy suggestions in this section:
Things you should ALWAYS do:
• In case you misplace your online secured creditcard, ensure that you inform your card company without a moment`s delay.
• Whenever you cut up your on line cardcredit when your account has been renewed or upgraded, make it a habit to first snip it across the account number prior to disposal.
• Make it a point to keep your on line charge credit cards in a safe place. Handle it as warily as you would deal with your hard cash.
• Always make sure the card is swiped before your eyes.
• Always check - and double check - that you don`t have anyone hanging around too close for comfort while you`re at the ATM.
• In case your card is held back by the ATM, please inform the bank or your card company without a moment`s delay -- and don`t ever accept help from strangers
• Before you begin any transaction at an ATM, check to confirm that there are no strange or suspicious devices in the panel where you insert your card.
• Don`t ever forget to get possession of your debit creditcards online when you`ve finished withdrawing cash at the ATM.
• In case you happen to see shady-looking individuals at or around any ATM, do notify the relevant security personnel immediately.
• Please alter your ATM PIN after every quarterly period. If you fear it may have been compromised, change it immediately.
• Whenever you make any purchases on your card, do ensure that the charge slip lists all your purchases (without any blank spaces before signing it.
• Please remember when your card bill is due. Ensure that you contact your card company if your monthly statements don`t get to you when they`re supposed to. Not receiving chargecard statements might mean a scam artist or ID thief has taken over your account and then notified the company about a change of address to keep you from getting wise to the fact.
• Always watch out for promotional scams. ID thieves might lure you with spurious deals to inveigle you into provide them with confidential information.
• Always keep all your personal information in a safe and inaccessible place in your home, all the more so when you have roommates, are in a position to have domestic staff (a housekeeper, an au pair, or a gardener who has access to your home), or you have workers (like painters, handymen, or plumbers) in your home.
• Make it a point to endorse (by signing) your online ccs immediately after you receive it.
• Do look at all your cards at regular intervals in order to verify that none have been misplaced or stolen.
• Please use a shredder or otherwise completely destroy copies of receipts, plane tickets, travel itineraries, together with any other document that includes your account numbers.
• Please stash items that contain confidential information in a safe spot. Also make it a habit to keep an updated itemization of all online securedcreditcards, account particulars, dates when each card is due for renewal, plus the client reps` `phone numbers in a secure location, so that you can speedily contact your card provider in the event that any of your cards is stolen or lost.
• Any time you need to, just call your card company to get support or assistance.
What you should not do:
• Please do not reveal your online credit creditcard and/or your ATM personal identification number to any individual.
• Make sure that you never part with your on line cc to any person, not even if he/she assures you that he/she is a representative of your card issuer or your bank.
• Make it a point to never get diddled by strangers who try to help you with your card or with cash withdrawals at the ATM.
• Make sure that you never note down your ATM personal identification number on the card or on any piece of paper that you keep in the same place as your on line debit credit card.
Things you should do and things you shouldn`t when shopping online:
• Whenever possible, deal with internet sites which mandate validation of Card Verification Value -- CVV or CVV2 -- (the three to four digit number following the card account number, mentioned on the signature strip at the back of the online charge cards), or only deal with sites that are authenticated by Visa (under the Verified by Visa security program) or MasterCard Secure Code, both of which protect your card against fraud when shopping online.
• Please use your best judgment whenever you`re submitting personal information online. Don`t ever divulge your personal or your card account particulars to anyone about whom you harbor any doubts or misgivings. Always ensure that you do a background check on the commercial undertaking`s authenticity by going to its web site, verifying a phone number obtained from a trusted source, and/or by checking with a reputable resource.
• Please keep your passwords secret. A number of online retail outlets may want you to sign on by providing them with a username and a unique password before buying. Online passwords should never be given out to anyone else -- the same way you make sure no one else knows your ATM PIN.
• Make it a point to look for standard security measures. Locate features that indicate security -- for example, an icon representing a closed padlock at the bottom of IE (or your favorite browser), and/or a URL that starts with `https://`, which stands for HTTP with SSL (secure socket layer) encryption for security. These `safety flags` tell you that just you and the merchant can look at your payment particulars.
• Make sure that you never specify payment or other transaction details through e-mail. Data that is transmitted through cyberspace (as in the case of electronic mail) is not fully secure from being seen by people other than the sender and recipient. Most reputable retail web sites make good use of data encryption, which makes the data unreadable until decrypted and which will safeguard your online creditcreditcard details from being seen by unauthorized persons over the course of an internet transaction.
• Please keep a listing of your transactions. Just as you hold on to charge slips from a store, you need to maintain records of any goods or services you`ve paid for with your credit creditcards online. Have verifiable evidence of your purchase transactions by storing the electronic receipt as a file on your computer and/or printing the page that confirms your order.
• Always go through the securedcredit card on line billing statement that you get every month and do it carefully. Act instantly if you find any evidence of anything that looks dubious, to avoid any potential fraud before it occurs. In addition, right away notify your card issuer about any email that could be a form of fraud (such as phishing, in which a scam artist uses an authentic-looking e-mail to con recipients into giving out sensitive personal information).
• Make it a point to be cautious about fraudsters offering you amazingly good deals. Fraudsters who assume other people`s identity may tempt you with spurious bargains to get you to give them your c card online information.
• In case you utilize on line secured creditcard to buy goods or services online in cyber caf?s or from computers that are for public use (e.g., at a library), do ensure that you erase the history of websites visited/ accessed.
• Please open and answer (or take suggested action on) only those e-mails that pass some basic tests, such as considering the following:
- Is the mail from someone you know?
- Have you received emails from this person sending mail before?
- Are you expecting email with an attachment from this person sending mail?
- Does e-mail from this person -- with the subject matter mentioned in the subject line and the name of the attachment -- sound logical?
- Does this email contain a virus?
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