As previously mentioned, you should start by applying for a credit card to build up your credit. Although setting up a card is easy, it’s important to be proactive and keep your credit card safe to avoid situations like identity theft. Here are a few ways to manage your credit card and keep your information safe!
Start As Soon As Possible
Setting up a good security foundation early can potentially avoid identity theft and credit card fraud. A few ways you can do so is by:
● Turning on account alerts and being notified of suspicious activity.
● Choosing a secure password and PIN; create a strong password using small letters, big letters, numbers, and symbols.
● Signing the back of your card so merchants can compare your card signature to identify a match.
Do not Share Account Information
Never email account information to anyone; this includes merchants online. If a person asks you to send personal information through message or email to confirm purchases, you should immediately report them.
Stay Secure Online
● Always log off of a website whenever you finish using it.
● Never store credit card information on a website to avoid fraud.
● Use an online payment system such as ZELLE to make online transactions.
● Avoid using public wifi when making transactions online to prevent hackers from viewing your data.
● Only shop at websites with “https” with the “s” meaning “secure.” This will ensure that your information isn’t being shared with anyone else online
Stay Cyber-Safe
Phishing is a term that refers to fraudulent attempts to steal your information. Some examples of phishing include:
● Clicking on websites you don’t recognize.
● Giving information to those on a call from a suspicious number.
● Receiving email addresses that differ from legitimate email addresses.
Report Fraud ASAP
If you notice any fraud attempts mentioned, you should report them immediately and notify your bank.
● Call your bank to report a potential scam.
● Double-check your receipts and make sure that they match.
● Maintain an updated list of your credit cards and account numbers.
Apply for Credit Cards During the Summer
Summer vacations are a peak season for scammers and hackers. You can avoid your money being used when you use credit. Become a VFCU member and gain access to a free credit score when you download the Mobile Money App and get competitive credit card rates. Enjoy:
● Fixed rates
● No cash advance
● No annual fees
Apply and receive one of our exclusive credit card services such as :
● Platinum card
● Gold card
● Classic card
Apply for Financing Hassle-Free & Use these Tips to Manage your Credit Card
Apply hassle-free online and contact us if you have any questions regarding financing for the summer to get the most benefits from your local federal credit union in Harlingen.
