A guide on keeping your card safe and secure:
- For your security, immediately sign at the back of your credit card upon receipt.
- Do not freely divulge your credit card details such as card number or expiry date to any person or means without verifying their legitimacy.
- Memorize your PIN for ATM Cash Advance Transactions. Don't use PIN combinations that could easily be guessed, such as your birthday.
- Do not fall victim to phishing websites or emails, smishing or vishing asking for your credit card details. They can lure you into giving your information by pretending to have a promo or a reward waiting for you. If it sounds too good to be true, it probably is. Other scammers can also pretend that your account will be blocked by the bank if you don’t provide your information. Once they have your data, they can use your credit card or even take over your account. HSBC will never call you to ask for your credit card or your account information. Should you receive such calls or letters, always call your issuing bank on the number at the back of your credit card for verification.
- Keep your credit card in a secure place. Personally hand over your credit card to the cashier when paying. As much as possible, ensure to have visibility over the card.
- Be alert when your card is not returned to you after an unusually long period. Always make sure that the amount on the transaction slip is the actual amount of your purchase before you sign. Never sign a blank transaction slip.
- Secure your card while shopping. If your card gets lost, immediately call HSBC to avoid paying for fraudulent transactions.
- When shopping online, look for “https” or a padlock symbol on the leftmost part of the URL bar. This signifies that the website has an SSL Certificate, which guarantees that any sensitive data you send can only be viewed by the intended recipient.
- Every time your credit card bill arrives, thoroughly scrutinize your transactions. If you see any errors or unauthorized transactions, contact your bank immediately.
- When your card is expired or cancelled, shred or destroy the physical card, along with documents that contain sensitive information such as bank statements or credit card bills as scammers may get your information from the garbage.
Source: Credit Card Association of the Philippines