Nowadays, the payment card is often owned by the school children. Hand on heart – do you still remember that this piece of plastic is actually your money? How to handle a credit card to minimize the risk of card abuse? Sure you have heard it many times before, but it won’t hurt to repeat it again. Caution is never enough!
The card is just yours!
Even if you have a joint account with your husband, the credit card issued belongs only to whose name it is on. If you want to manage money together, have two cards issued. Sign your card as soon as you receive it and never give it to anyone.
The bank issues a PIN code for each card separately. To entrust it to anyone else is a gambling! It is quite a common mistake to write it down on a piece of paper that some of them put directly to the card. This is called a thief invitation. Nor is it safe to store the PIN in the phone, which you usually carry together with your wallet and card in one bag.
Thieves are not stupid, the PIN in the phone book appears easily. Never respond to any requests to disclose this information, even if you appear to be contacted by your bank – believe it, you are not. This is not how banks behave.
Be careful when paying
When entering your PIN when paying, be very attentive and always check to see if someone is following you. The same applies when withdrawing cash from an ATM.
Never give the card to anyone who wants to leave it out of your sight and check that only one document has been issued for payment. Currently, the situation is facilitated by the so-called contactless cards, which banks switch to in bulk, because you do not give them when paying at all.
Check the card regularly to see if it is lost as soon as possible. In this case, contact the publisher immediately and block it! Also, pay attention to regular account statements.
- Overpay the loan as little as possible
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