This is a sponsored post written by me on behalf of Chase. All opinions are 100% mine.
When you travel, you want an experience filled with fantastic memories. The last thing you want is to fall victim to consumer credit card fraud. We often hear about it and know that it does happen but don’t believe it will happen to us. Unfortunately, it can happen to you if the proper precautions aren’t taken to help protect yourself.
Last November, I fell victim to credit card fraud. I made an online purchase and someone stole my card information. They made a duplicate credit card and attempted to purchase some high-ticket items. Luckily, I have text alerts set to notify me of any purchase over a certain amount. My bank texted me right away and we were able to prevent that and any future transactions from going through. My bank helped me cancel that card, get me a new replacement card, and take the stress out of dealing it. I am so thankful that this happened when I was home. If it had been a week earlier, while we were on vacation, I can just imagine how difficult things may have gotten without my credit card, as I rarely carry any cash. Have you fallen victim yourself? What happened?
Protecting yourself from consumer fraud starts with the relationship you have with your bank. Working together, you can protect yourself, immediately identify suspicious activity, and prevent it from ruining your vacation.
Let me share a few ways you can protect yourself from credit card fraud and improve your personal “Fraud IQ”.
Tips To Protect Yourself Against Credit Card Fraud
Keep Up To Date Contact Information
Be sure that your bank and credit card company have your current contact information. That way, they can reach you if they see suspicious activity on your account.
Sign Up for Mobile/Email Account Alerts
Your bank or credit card company will be able to notify you immediately by call, text or email of any suspicious activity. Take it from my own experience: I don’t know how long it would have taken me to find out about suspected fraud on my account if I hadn’t received the text alert, so make sure you opt-in to account alerts that will reach you as quickly as possible.
Sign Up for E-Statements
Instead of a paper bill, opt for an e-statement instead. This way there are no paper documents containing your personal information that you have to shred. Access your credit and debit card statements anytime online or on the mobile app and monitor your account frequently, especially while traveling or during busy shopping seasons.
When You Travel, Alert Your Bank
Alerting your bank to your travel plans prevents them from flagging transactions as suspicious and declining a purchase. Chase makes this easy for you. In the Travel section of your Chase homepage, you can enter your dates and destinations.
Be Careful When Using Public Wi-Fi
Public Wi-Fi isn’t secure. While traveling, waiting at the airport, or stopping in a coffee shop, be cautious about making online purchases or accessing private information that requires login credentials. If you must use public Wi-Fi, only do so on secure websites that begin with “https.”
Having a great relationship with your bank makes preventing credit card fraud much easier. Choosing a bank that takes your security seriously is VERY important. Chase makes security a top priority and has fraud-detection tools in place to keep your accounts safe. For features and tips that can help keep fraudsters at bay, read Chase’s “Six Ways to Boost Your Fraud IQ”.
To help keep your accounts safe and secure, Chase offers:
- Zero-Liability Protection – You aren’t held responsible for fraudulent charges made with your card or account information.
- 24/7 Fraud Monitoring – They use specialized tools to monitor for fraud and notify you regarding any unusual account activity.
- Embedded Chip Technology – Another layer of security that protects you from unauthorized use.
- Replacement Cards Shipped Wherever YOU Are – If you need a new card due to loss or fraud, Chase will ship you a new credit card immediately, even if you're traveling and away from home. Chase will also work with you to authorize the credit card purchases you need until your new card arrives.
I’ve definitely become more informed about fraud since experiencing it myself last year, but you shouldn’t wait until it’s too late. Learn more about Chase Fraud Services and start protecting yourself today!
Are you doing everything you can to protect yourself when you travel?