Secure Your Credit Cards

Don't let down your guard and fall victim to security threats and scams while you're shopping. Shop Cyber-Smart and take these first steps toward securing your credit cards.

Protection from Unauthorized Credit Card Charges

Did you know that your credit card usage is protected by the Federal Trade Commission? The Fair Credit Billing Act provides you with the means to dispute charges and exercise your rights as a consumer. While federal laws limit your liability to the first $50 in charges when your credit card is used without your authorization, you may have additional protection from your credit card company. Credit cards usually come with more protection than debit cards, so plan on using your credit card instead of your debit card. Just don’t let those balances rack up!

Pay Close Attention to Your Credit Card and Bank Statements

Don’t wait until those monthly statements come in the mail (or email if you’ve opted in for digital statements). Many banks and credit card companies offer mobile device apps so that you can review current activity on your accounts. Immediately report discrepancies or unauthorized charges.

Set Up Text and Email Alerts

Another handy service that may be provided by your financial institutions is alerts. You can configure your account to send you a text or email when certain activities occur (such as transactions over a predefined dollar amount) or daily summary of activity. Resolve issues as soon as possible to avoid further malicious activity.

Don’t Get "Skimmed"

The magnetic strips on the back of our credit and debit cards are being replaced by small embedded chips. They utilize a technology standard that more securely stores data so that it is less likely to be copied by a card skimmer (a device that criminals can install over the credit card reader to capture information as it is transmitted). Even if your chipped card doesn’t also has a magnetic strip, you need to make sure that there isn’t a skimmer when you swipe your card. Of course, chip protection doesn’t help with unauthorized online transactions.