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  • 10 Tips to Help Prevent Card Fraud During the Holiday Season

    by James Markey | Aug 14, 2017
    Consumers are more frequently using their debit and credit cards to make purchases for loved ones during the hooliday shopping season. In order to protect ourselves from theives and minimize losses, here is a list of helpful tips to keep in mind--so you have an enjoyable holiday season.
    • Carry only the cards you need. The holiday season is a heightened time for pickpockets, so leaving unnecessary cards at home will help limit exposure to fraud.
    • Keep credit/debit cards close. Never leave a wallet or purse unattended, it only takes seconds for a thief to steal a wallet and all of the personal information it contains.
    • Never let a salesperson take your card out of sight. Skimming devices, which record card information, can be hidden in a hand or under a counter.
    • Don’t lend out your cards. It may be more convenient to divide and conquer with friends or family members when trying to complete your shopping list, but once you card is out of your hands it’s out of your control.
    • Always check receipts against your statements to make sure there are no unauthorized charges. If anything looks fishy, report it immediately.
    • Make a list of card numbers, expiration dates, and the toll-free numbers of your financial institution. Keep this record in a safe place, separate from where you keep your cards. Use this information if you ever have to report your cards lost or stolen.
    • When shopping online, stick to reputable sites. Check to be sure the sites are secure by looking for web addresses with “https” in the address.
    • Avoid shopping online using public WiFi, hackers can easily gain access to public networks and steal your information.
    • Don’t respond to emails asking for personal financial information, they are likely phishing emails attempting to capture passwords, logins, credit card details etc.
    • Always report lost cards and suspected fraud right away.
  • What to do if your login credentials are compromised

    by James Markey | Aug 14, 2017
    If you suspect your login credentials have been compromised you should take immediate action to identify and change the compromised accounts.

    Below are some tips regarding what to do when your credentials may have been stolen:
    • Try to determine all of the computers or mobile devices used with those credentials. Any or all of them may have malicious software installed; the malicious software may capture everything you typed and the content appearing on your screen.
    • For the devices you used, try to determine what other websites you accessed by entering the same user name and password. Those credentials may also be compromised.
    • Immediately examine the accounts or sites where you used those credentials for unusual activity, even if they have not been reported as stolen.
    • If you used the same user name and/or password on any other websites, change them immediately, you should assume they are compromised.
    • If you answered security questions during any online session on a computer that may be compromised; you should assume the answers to those security questions are compromised and may be used to compromise other accounts.
    • You should assume all of your user names and passwords have been compromised, and you should change every user name and password you use. It is also recommended that you consider changing your security questions at the same time.
    • Consider putting a fraud alert on your credit reports to reduce the risk of additional lines of credit being fraudulently opened in your name.
    • If any of your accounts have fraudulent activity you should create an Identity Theft Report, which involves reporting the identity theft to the FTC and filing a police report.
    • Consult with a computer professional on how best to check and repair your computer(s).