Security when using payment cards

Assess the situation at the ATM and around it

* seeing any external signs of malfunction of the ATM or discover (with him or other foreign devices or hanging wires, report it to the Bank and use another ATM
* look around and assess the situation: if the ATM is poorly lit or deserted place, you should not use this ATM
* prepare in advance the map - try not to waste time at the ATM on the search card in the wallet
* make sure that the people behind you in line at the ATM, do not have the ability to spy your PIN or the amount of cash withdrawn
* do not count the cash received near the cash machine - just take the money, card and receipt
* noticing anything suspicious, cancel your transaction and leave immediately
* if you want to use the ATM, located in a special room behind a closed door, open the door of his map, placing it in the device access to the room, while do not allow the unknown to enter into that room with you
* using a special ATM for motorists, you can withdraw money without leaving the car, through the window. This should raise the other Windows machine, and close from the inside to lock all the doors
* if you pulled up to the ATM by car, coming out of it, don't leave the keys, and valuables. Also, be sure to stop the engine.

Do not forget your card and receipt
* upon completion of the transaction on payment of goods or cash withdrawals be sure to pick up your card
* do not throw away receipts confirming the transactions in the ATM and received a statement of account cards, compare amounts on checks with amounts in the statement. Saving receipts allows you to prevent unauthorized use of the card and facilitates the accounting.
* if it so happened that your card is stuck in the ATM, beware of people offering to help you at this moment. Criminals may try to take possession of your secret PIN-code in different ways (peeping behind you when you enter the PIN, pestering with questions about you and your map). If you leave, and your card will remain in the ATM, the criminals will extract it and knowing your PIN, take off with your money. If your card stuck in the ATM, you should immediately inform either the service center of your Bank, or if the ATM is located in the ward to contact the personnel Department of the Bank.

Keep checks received in confirmation of the transaction at the ATM.

After receiving the statement, compare the amount on the receipts with the amounts in the statement. Saving receipts will help to prevent unauthorized use of the card and ease the finances.

How to protect your plastic card from fraud

Scammers are operating tirelessly and inventively plastic cards. Criminals steal the card, rewriting the data of the magnetic stripe card using the skimming equipment, produce counterfeit cards with real details of the holder, plotting real maps, amendments, etc.

Some scammers "spetsializiruyutsya" on ATMs. Using special readers, they steal data from magnetic stripe credit card and using hidden portable camcorders spy secret PIN holder.

You must keep your card - as well as saving cash. Depending on the rules of the Bank that issued your card, you to a certain extent responsible for the losses incurred in connection with the loss of the card. In addition, in this case, the Bank is spending time and money to block the card and reissue it.

Jointly with payment systems, banks are adopting new, more secure card technologies - such as smart cards - which are protected from unauthorized use.

However, the best way to prevent fraud is to constantly protect your card. Just as you protect your property - lock the door of the apartment or car - and protect your plastic cards.

While payment systems are developing new and effective methods to counter fraud, you can do a lot for this. Please take the following tips and recommendations on necessary security measures:

Immediately after receiving a new plastic card
* sign the card on the signature strip located on the reverse side of the card
* rewrite your card number and telephone customer service center - this information may be useful to you in case of loss or theft of the card. Keep this information in a safe place
* if your Bank offers the possibility of replacing the PIN to a new, you invented a PIN, avoid obvious, easily anticipated digital combinations - for example, like at the end of your phone number, date of your birthday, etc.
* never write down your PIN - memorize it. If you do decide to write it, then ensure that the note is not in your wallet, and especially not write the PIN on the card itself
* never disclose your PIN-code. Remember that you do not need and do not have to report it, neither the Bank nor the police, nor the tellers outlets. Only the cardholder should know their PIN
* lost or stolen card immediately inform your Bank. In some cases, you may need a statement to the police or a written confirmation of card loss.

When using the card

* protect your plastic cards as you protect your cash. Don't forget them in the car, bar, nightclub or on the beach.
* if possible, try not to lose sight of your card during the transaction
* make sure you have returned your card after paying it
* before signing a receipt confirming the purchase with the card, always first check it, paying attention to the specified purchase amount, paid by card - keep copies of receipts and slips, confirming the transaction for purchases and cash withdrawals at ATMs
* always check your Bank statement, especially after returning from a trip. Compare amount of purchases paid with the card, receipts. Check out: not specified if it is unknown transactions not made by you
* never give your credit card number over the phone to any individuals
or companies. You can give information about your card only if you are sure that you are dealing with a known, trustworthy company
* if talking on the phone, you felt pressure sales Manager on the phone, be alert. Don't tell them the number of their credit cards as long as you have not made a final decision to make a purchase
* paying for a purchase in the store, do not provide additional information about yourself: all that you can be required is the presentation of the document proving the identity
* you should know who has access to your card. If your card was used by someone from your family members (spouse, children or parents), with or without your knowledge, you will be responsible for its purchase or cash advances.

Your card and PIN

* keep debit and credit cards in a safe place - no damage (scratches, chips, etc.)
* never write down your PIN - memorize it. If you do decide to write it, then ensure that the note is not in your wallet, and especially not write the PIN on the card itself
* if your Bank provides an opportunity to change your PIN to a new, invented by you, when changing a PIN, avoid obvious, easily anticipated combinations - for example, like at the end of your phone number, your date of birthday etc.
* always have on hand the phone number for emergency contact with the Bank that issued your card, and in case of loss contact the Bank immediately

You should protect your card as you are saving cash. In case of loss of card, you to a certain extent responsible for the damages resulting from the loss, it depends on the rules of the Bank that issued your card. It should be noted that in this case, the Bank is spending time and money to block and reissue the card.