Someone will call you and say they are from the Fraud department of Visa, Mastercard or whatever credit card you use. They will ask if you made a big purchase recently. After you say no, they say they will begin a fraud investigation. They’ll ask you to clarify you are in possession of the card by having you read the 7 numbers on the back.
When the call is over, you really do have a charge for the amount they mentioned. You don’t do much talking in this scenario – they already have most of your information and just need the little bit more to do the damage.
So the question is, how can you prevent your information from getting into the wrong hands?
Here’s some advice to keep you safe:
1.Use virus protection on your computer. Make sure to keep your virus protection updated.
2. Shred documents like receipts, credit card offers, or anything with identifying information.
3. Only give out your information when you initiate the contact. Don’t offer up information to whoever calls.
4. Wipe the hard drive on your computer before getting rid of it. Your computer stores a ton of information about you and you don’t want to leave anything behind.
5. Be wary of wi-fi. While the wi-fi at your home and office is on a protected network, public wi-fi in libraries, airports and bookstores may not have as much security. Avoid doing online banking or transmitting sensitive information over public wi-fi.
6. Use strong passwords. Especially avoid passwords that include your name or other easy information. There are sites that create strong passwords for you.
7. Always review your statements. Better yet, use online banking to check in every day and make sure there is no suspicious activity.
8. Log off of sites when you’re finished instead of just closing the window.
9. Disable 3rd party cookies in your browser. This site explains how to do that in different browsers.
10. Use social media wisely. Keep public information limited, especially your date of birth.
Remember, it’s better to be safe than sorry. Here at Aspire, we do everything we can to make sure our members’ information is secure, including multi-layer login. If you ever have any questions about your account or possible fraud, do not hesitate to reach out to us.