Plastic card fraud statistics are up, and much of the fraud comes from criminal activities we can’t control. But safeguarding your cards and identity from the risk of exposure starts with keeping constant control of your cards and card numbers. We all need to be responsible and aware of actions that will minimize risk and keep our cards safe.

Follow these good habits:

1. Sign your cards with permanent ink as soon as you receive them.
2. Memorize your PIN (personal identification number). Do not choose PIN’s such as the last four numbers of your social security number or phone numbers.
3. Do not reply to e-mails or respond by clicking on a link within the e-mail message asking you for any financial information. Georgia Heritage FCU will never ask you to provide any kind of confidential or financial details via an e-mail request.
4. Carry only cards you’re going to use. Leave all other cards at home in a safe place.
5. Watch the merchant perform your card transaction. Never let them write your card number down.
6. When shopping online, make sure you only enter your card information on trusted sites that have a yellow padlock on the bottom browser window frame.
7. Never give your personal or financial information out to anyone contacting you via phone. Hang up and call your financial institution using a phone number you are familiar with to verify the call.
8. Report lost or stolen cards immediately.
9. Never lend your cards to anyone or leave them unattended anywhere.
10. Never throw receipts in the trash where others can get them.