Credit card burglary cases often occur and always harm the victim. How come? Suddenly a number of transactions that you have never made to your credit card bill appear. All of these transactions seem legal because they use an identity that matches the data on your credit card. To overcome this, there are several ways you can do to avoid credit card data theft.
Protect Data on Your Credit Card
Credit cards are important objects that you must protect confidentiality. There are some important data that must be protected, for example:
- credit card number
- The name printed on the credit card
- Credit card validity period
- The CVV code found on your credit card. CVV is a 3 or 4 digit code contained behind a credit card. This code works for people who want to do online transactions , and its function is to verify that you are the one who made the transaction.
This CVV code can be regarded as the most important data and must be protected. Therefore, close your CVV code, and never copy the back of your credit card. If necessary, close the CVV code section. If you find it difficult to memorize the code, keep the credit card in a safe place so that the data is not spread out and has the opportunity to be targeted by irresponsible individuals.
Always Shop Online on a Trusted Site
One potential credit card data theft that often occurs is when shopping online and making credit card payments. Usually the data recorded by these sites can be used by irresponsible individuals and used to shop on other sites. Therefore, before deciding to shop online and make credit card payments, make sure the site has the following conditions:
Shop on a Website whose Domain is Trusted
Don’t forget to check the security and authenticity of the site to make sure the domain you entered is really the site address (not an artificial site). You can do a short research by checking it through Google. Usually the first page of search engines can provide information about testimonials of people who have shop and how to shop at the site.
Make sure the Shopping Site Has a Verification Logo from the Credit Card Issuer
Trusted sites are usually equipped with the “Verified by Visa” and “MasterCard SecureCode” logos, both of these indicate that you can safely make transactions with a credit card.
Has 3D Secure Page and an Encrypted Page
When you start entering the payment page, usually having a 3D secure page, you can see a padlock image in the browser status bar. Make sure the site has this before starting to enter personal information and credit card data. Also, usually the site address will automatically change from http: // to shttp: // or https: // this will ensure that your payment information is encrypted and safer.
Receive OTP Notifications from the Issuing Bank
When going to make a payment, usually the credit card issuing bank will send OTP / One True Pairing. OTP is a notification that is sent when you make a transaction, the notification is sent usually via SMS or email. If indeed the SMS has been entered and your transaction is correct, then you will be automatically sent to the new site page and will get a successful payment notification.
Always Record Every Transaction You Do
To avoid credit card burglary, don’t forget to always record every transaction that you have done. Record important information such as the total shopping amount, transaction date and time, and the name of the site you are shopping for. This works so that you can match the data when the credit card bill comes. This can also be used as a reminder so that you can guess about the site where your data is stolen.
Make Your Own Payment When Making Transactions at Restaurants
One case of credit card burglary is when doing a transaction at a restaurant. As a customer, we usually tend to be lazy for the cashier, so the option is to call the waiter to deliver the bill to the table. When placing a credit card and allowing the waiter to hold your credit card you actually have a chance to become a victim of credit card data theft. Not a few cases your credit card is used by irresponsible servants or cashiers. Your credit card data can be stolen by the person, and used for online transactions . Usually they record the name and number of the card owner, as well as other confidential data such as CVV and the expiration date. Therefore, it is better if you go directly to the cash register. Use pins when making transactions to increase payment protection and protection of your card.
“If you are already a victim of credit card data theft, what should I do?”
- Report to the Issuing Bank
The first step to do is to report to the bank issuing your credit card. To make it easier for you, you better call the official call center of the issuing bank and do the reporting. If indeed you can visit the bank’s operational office, you can also immediately report and request a certificate that the card is stolen. Don’t forget to ask the bank to block the card so that it is not increasingly used for irresponsible matters.
- Report to the Police
Usually the bank will accompany you to report to the police. In addition, you will also be provided with information such as data and documents that need to be prepared to complete your case file. The data needed for example is a photocopy of the ID card of the owner of the card, the signature of the card owner above the report letter, etc.
- Activate the Credit Card along with the New PIN
After all the files have been collected and the reporting process has been completed, you are usually entitled to get a new credit card. Don’t forget to activate a different PIN and include a signature behind the credit card. Again, protect important credit card data including the CVV code so that the incident does not happen again.