There is a lot of talk about fraud and scammers out there finding ways to get your card details, but in fact, your card is one of the safest ways to transact.
“Fraud makes up less than 0.02% of all our credit card payments. To make sure that you don’t find yourself in that small percentage and to ensure that we will refund you if there is fraud on your card, customers should be aware that they are responsible for protecting their card details,” says Henk Vermeulen, Fraud Specialist at FNB Credit Card.
There are a few ways to make sure that you are covered.
“When using online banking, never click on a link sent to you, even if it looks authentic,” warns Vermeulen. “This is a common way of trying to get your details under false pretences, even the savviest among us seem to fall for this trick.”
The problem is that the link looks like it comes from a trusted source, like your bank or medical aid.
Make sure that there is a small locked padlock symbol next to the web address. This means that the site is encrypted and is the universal symbol indicating it is secure.
Protect your PIN as this is one of your most precious possessions.
“Look after your PIN as though it was the key to a safe, because it is just as important,” says Vermeulen. “This means that you should never write it down or store it somewhere such as in your phone. If your PIN is saved under ‘PIN’ on your phone delete it right away.”
Also don’t be tempted to share your PIN. In recent research it was found that 42% of people tell at least one person their PIN. The problem with this is, although you might trust that person, they might not be as cautious as you.
When you are out and about make sure that you cover your hand when entering your PIN at a point-of-sale. This will stop people looking over your shoulder. Also be extra careful with your card, don’t leave it anywhere, or forget to take it back when purchasing. Keep it on you at all times.
Finally at an ATM you also need to take care. Don’t draw money if the ATM has a blank screen and never force your card into an ATM slot. Immediately cancel your card if it is swallowed or you have even a small suspicion that there might have been fraudulent activity.
“At the end of the day, be careful with your card, it is the best way to protect your money,” concludes Vermeulen. “The bank guarantees that if you follow all of the steps above you will be refunded. Cards are simple and quick to replace, and unlike cash, it is clear how much has been taken and you can be refunded in a matter of days.”
Alan Straton
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