Christmas Card Safety

Posted November 19th, 2019

Don’t let hackers ruin your holidays! A lot of money gets spent in November and December, and a lot of transactions made. Keep your money safe with these five helpful Christmas card safety tips.

1. Rely on just a few cards
Purchases are easier to track if they are consolidated to just a few cards as opposed to spread out over 5-10 or even more. Likewise, if online accounts do get compromised, only one or two cards are affected, rather than a lot of them. It’s also beneficial to use cards with the EMV chips (like your DECU credit & debit cards) as opposed to swiping. These are much safer and have been proven to prevent fraud.

2. Keep track of all receipts
This may seem annoying, especially when you think about everything you plan to purchase this season, but it’s important. Keep track of your receipts! Most fraud doesn’t show up in the form of large purchases, but instead as small purchases you may not notice. This is a good way for fraudsters to test if they can get away with more. If you see a $5 charge that you’re unsure of, check your receipts and confirm or call your card company immediately.
Pro tip: you can use online banking to check your account immediately instead of waiting for the monthly statement.

3. Turn on notifications
Be sure to turn on as many card alerts as possible. A few alerts our debit and credit card management app offers include transaction alerts, location alerts, and spending limits. All three will keep you quickly informed of your card’s activity and can help you stop fraud faster. If you have a debit or credit card through another financial business, give them a call to see what type of alerts they offer.

4. Double check deals
It’s definitely the time for big savings, but that doesn’t mean every deal is the real deal. Fraudsters know we expect great deals around this time. That’s why it’s popular to see phishing scams in the form of fake online deals and savings. If a deal seems to good to be true, take the extra time to look into it. Do a quick Google search of Store Name + Deal and see what comes up. Another tip that’s always a good idea is to never click on a link directly from an email. Instead, enter the URL directly into the browser.

5. Only shop secure websites
Last, be sure you do your online shopping on secure websites only. You can easily tell if a website is secure by checking the beginning of the URL. If a URL begins with “https” that means it’s secure. If the S is missing, be careful.

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