Identity theft is a genuine concern for consumers nationwide. As technology continues to advance, scammers are constantly developing new and more sophisticated ways to access personal and financial information. From online shopping to everyday purchases, how you use your credit card plays an important role in protecting your identity and your money.
At Polam FCU, your financial security is a top priority. Here are some practical and effective credit card safety tips to help you stay protected and confident in today’s digital world.
Monitor Your Account Regularly
One of the simplest and most effective ways to prevent fraud is to review your credit card activity often. Make it a habit to check your statements and online banking account for unfamiliar charges, even small ones. Scammers sometimes test stolen cards with low-dollar purchases before attempting larger transactions.
If you notice anything unusual, report it to Polam FCU immediately. Early detection can limit damage and help resolve issues faster.
Protect Your Card Information
Never share your credit card number, PIN, or security code unless you are certain the request is legitimate. Be cautious when receiving calls, emails, or text messages asking for personal information, even if they appear to come from a trusted source.
Polam FCU will never ask for sensitive information through unsolicited messages. When in doubt, contact the credit union directly using a verified phone number.
Use Secure Websites and Payment Methods
When shopping online, always look for secure websites. A secure site typically starts with “https” and shows a lock icon in the address bar. Avoid making purchases over public Wi-Fi networks, as these connections are more vulnerable to hackers.
Whenever possible, use digital wallets or secure payment platforms that add an extra layer of protection by encrypting your card information.
Set Up Alerts and Notifications
Credit card alerts can be a powerful fraud-prevention tool. Transaction alerts notify you of purchases in real time, allowing you to spot unauthorized activity right away.
By enabling alerts through your Polam FCU account, you stay informed and in control of your spending, no matter where you are.
Create Strong Passwords
Use strong, unique passwords for your online banking and credit card accounts. Avoid common words, birthdays, or easily guessed combinations. Updating your passwords regularly adds another layer of protection against unauthorized access.
Consider using a trusted password manager to help keep track of your login credentials securely.
Peace of Mind Starts with Awareness
Staying informed and proactive is the best defense against identity theft. By following these credit card safety tips and partnering with Polam Federal Credit Union, you can enjoy the convenience of your credit card while knowing your financial well-being is protected.
If you have questions about credit card security, fraud prevention tools, or account monitoring, contact Polam FCU today. We’re here to help you protect what matters most.