Kurt “CyberGuy' Knutsson reveals advice from a reader who files debit card fraud claims all day. Here are eight do's and don'ts to prevent debit card fraud.
While different types of fraud can bring their own elements of frustrations and consequences, debit card fraud can leave your bank account empty almost immediately and be hard to recover from. That’s why we are so grateful to Brenda, from Orange Park, Florida, who is a debit fraud specialist, and shared her incredible knowledge and insight to protect you from debit card fraud.
Navigating debit card safety: Do’s and don’ts for smart financial management As someone who processes debit fraud claims daily, and luckily has never experienced it herself, below are the top do’s and don’ts of debit card use from Brenda and us. 1) Safest way to use your debit card: Use your debit card to withdraw money from your own financial institution’s ATM or teller.
Consider using mobile wallets for convenience and security: If you must use your debit card to make regular purchases, add it to your smartphone wallet and use it that way instead of swiping your debit card. Not being swiped likely prevents your card from being skimmed. 4) Protecting your PIN is crucial: Do not write your PIN down on your card or a piece of paper in your wallet.
How to prevent debit card fraud? Here are additional steps you can take to help you prevent crooks from gaining access to your debit card: Keep your card safe physically: Store your debit card in a secure place when not in use. Don’t write down your PIN or keep it with your card. Be cautious when using your debit card in public places and shield your PIN when entering it. Use strong PINs: Choose a unique and strong PIN that isn’t easily guessable.
Regularly monitor your credit reports: Check your credit reports for any unusual activity that might indicate fraud or identity theft. If you find any errors or discrepancies on your credit reports, contact the credit bureaus and the creditors involved as soon as possible to dispute them. Consider debit card controls and mobile apps: Some banks offer apps that allow you to turn your card on or off instantly, set spending limits and receive notifications for transactions.
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