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Stay safe! Swipe & Sign for Holiday Purchases

Posted in Security/Scams
December 1st 2011 by
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With holiday shopping abuzz and identity theft season in full-swing, help protect yourself from identity theft by signing for your debit card purchases. Swipe and sign is a signature based transaction. Instead of punching in your PIN when making a transaction with your Aspire FCU Visa Debit Card, simply sign for your purchases. By swiping and signing, you’ll reduce your risk of identity theft by not entering your PIN while making a purchase in public. You’re also awarded the same protection as any other VISA transaction. If you swipe your card and a keypad is displayed on the screen for you to enter your PIN, simply press “Cancel”, and you will be given the option to sign for your purchase instead. If you don’t have a checking account with us, call 732-388-0477, Option 3, visit www.aspirefcu.org, or stop into one of our branches to apply and request your Aspire FCU…

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Holiday Shopping: Layaway or Credit Cards?

November 7th 2011 by
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If you remember a time before credit cards were part of everyone’s life, you probably remember the customer service area in the back of many department and discount stores that offered ‘layaway’. A layaway plan offered by retailers allows their customers to shop for and make a claim to items they don’t have the cash for at that moment. In most instances, the customer will make a down payment (usually 20%) and pay the rest over time on a regular schedule. Once the item is paid for in full, they can bring it home. The biggest advantage of layaway is…

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The Real Deal on Deal Sites

July 28th 2011 by
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You can’t beat a good bargain. From Groupon to LivingSocial to Woot to countless other local and national deal sites, there seems to be new deal sites popping up everywhere. The prices are remarkable. The merchandise is what you want. Is there a catch? Usually, there isn’t. Most deals are for restaurants, spa services, or other high markup products and services where the company feels it’s worth their while to cut their profits because they’re getting so much added business. Plus, they’re hoping you’ll come back for more, although of course you’re under no obligation to do so. Since most…

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Shopping Online? Take Steps to Protect Yourself

Posted in Security/Scams
June 30th 2011 by
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Shopping online is a pleasure. No traffic, no crowds, no searching for a parking spot. In 2010, Internet commerce totaled $165.4 billion and continues to grow. At the same time, scams are growing, too. More than $246 million in losses were reported by Americans in 2010 and has steadily increased since then. You need to protect yourself. While shopping on legitimate, well-known sites belonging to your favorite department store or specialty shop is probably not going to be a problem, lesser-known sites that come up when you’re looking for a bargain and using a search engine for something specific could be places for concern. The same can be said for auction sites. Here’s what you can do to ensure that online shopping is as secure as a trip to the mall: 1. Call the retailer first. If you’re not sure about the website’s legitimacy, pick up the phone and try…

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