There have been many experiences of people who conceded their credit card accounts due to lack of attention to security in the use of credit cards.
In fact, people who have been extra careful in maintaining the confidentiality of their identity, are still experiencing conceding.
The case that often occurs is the credit card user is called by the credit card issuing bank that the card is being used to conduct transactions abroad, while the owner is in the country.
Credit Card Fraud Mode
There are many modes of fraud and credit card crime, including the following.
This mode is one mode of credit card fraud where the fraudster attacks the target by calling or sending an email claiming to be the credit card issuing bank.
They request the target’s personal data, including credit card numbers and PIN numbers for reasons of the prize draw.
This one fraud mode is credit card data theft, and sophisticated, the credit card owner does not know this.
This mode of identity theft is done by using a small electronic device placed on an ATM machine (on a debit card) or an EDC machine.
When the victim (credit card owner) swipes his credit card, the electronic device will copy the data and information on the credit card of the owner of the credit card.
Software or Fake Links
If you often surf the internet, you will of course or almost often see columns like ads and appear to offer you, such as lotteries and so on.
For those who are not careful and are already tempted to seduce gifts, they will be led to press a button or click on a link that turns to the theft of your data and identity.
Thus, the data thief can misuse your identity freely.
Lack of Knowledge of the Importance of Security for Using Credit Cards
According to Stieve Merta as Secretary General of the Indonesian Credit Card Association (AKKI), he said that credit card customers in Indonesia have not been well educated regarding security in dealing with credit cards.
One example where credit cards are often changed from the owner to another person.
Stieve Merta said that credit cards should not be transferable, including when transacting, the owner should itself swipe or plug the card into the EDC machine.
If abroad, such as in Australia, the credit card owner swipes or plugs in a credit or debit card to the EDC machine to maintain the security of the data on the card.
It is different from in Indonesia where the credit card owner gives it to the cashier when the transaction or payment.
Here are some tips for maintaining credit card security and avoiding credit card crime that often haunts its users.
Keep the CVV Number Confidential
This CVV number is usually behind a credit card. When conducting transactions online this number is usually asked to be filled in a certain column.
As a credit card owner, you need to be careful not to shop carelessly at online stores, especially those who are not well-known to avoid the confidentiality of your CVV number.
In addition to the CVV number, the 16 digit number on the front also needs to be kept confidential.
Sign Credit Cards
IN the back of the credit card you are usually asked to sign the card.
This is usually the validation stage when the cashier will check the signature on the bill and compare the signature on the back of the credit card.
If the signature on the bill and the back of the credit card turn out differently, the cashier will question this.
Of course you as a credit card user already know the importance of using credit cards wisely and not using them consumptively.
Financial recording every time a transaction makes us more aware of the importance of suppressing the desire to shop outside the needs, including in the use of credit cards “blindly”.
Record your daily finances without using the Smike Application.
In addition to financial records every day, you can also plan for funds to buy goods such as fund preparation funds to buy a house or fund for children’s education preparation with sophisticated and practical applications that you can easily access through your smart phone.
Use a PIN when trading
When conducting offline transactions with a credit card, you will usually get a question, “use a PIN or signature?”
It is strongly recommended to use a PIN because only you who know the PIN rather than the signature that can often be faked.
Therefore, using a PIN when a transaction can be a strategy to maintain the security of your credit card and be free from being broken.
Apply Mobile Number Notification
By activating cellphone number notifications, you can easily see and check the activities of your credit card usage transactions.
If you receive a transaction activity notification where you don’t do it yourself, you can report it to the credit card issuing bank in question.
Save the Proof of Transaction
Proof of transaction is very necessary to match the nominal you will pay before or at the due date.
If there is an error or incompatibility between the proof of transaction and the bill that you have to pay, you can report it to the issuing bank.
Maintain the Secrecy of Credit Card Security
Even with your own family members, you still have to be careful in using a credit card, let alone lending it to someone else, for example to your child or family.
Keep an eye on and keep the secrets of your credit card safe to avoid future problems.
Do you have certain experience in using a credit card, you can write it in the fields provided below.
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