Currently, credit cards have become a common item that is owned by most people. The convenience it offers makes many people tempted to have it.
Photo by Ron McClenny on Unsplash
Even though there are now many credit card security features, transactions using a credit card still require extra security because of the rise in crime, such as counterfeiting, fraud, and credit card misuse. Here are tips that you can apply for the security of your credit card. Check it out!
1. Keep Your Credit Card in a Safe Place
If you often keep credit cards in your wallet, make sure your wallet is always stored in a safe place, such as in a bag that has several sections in it, or if at home, store it in a special drawer in the cupboard. Also keep your credit card out of reach of children, to avoid the risk of it being lost or damaged.
Photo by Clay Banks on Unsplash
2. Don't give your credit card to anyone
Credit cards are very vulnerable to being misused if they fall into the hands of the wrong person. Never give your credit card to other people, especially to people you don't know. Even if it's someone from your credit card issuing bank.
Any bank will never ask your credit card to change your PIN. Generally, banks only ask you to activate your PIN via a mobile application, so all you have to do is follow the instructions online to make it easier. If someone claiming to be from a bank asks for your credit card with the reason that they want to change their credit card PIN, you should be suspicious and immediately report it to the bank in question.
3. Save the Transaction Slip Properly
Maybe many credit card users underestimate the transaction slip and often throw it away after completing the transaction. Even though the transaction slip is very useful to ensure that the credit card issuing bank's bill is correct. So, if at any time you find discrepancies or errors in the value of your bill, you can report it immediately within the timeframe given by the credit card issuer.
Photo by Christiann Koepke on Unsplash
4. Note the Credit Card Due Date
Credit card users are often careless in this regard. Most of them do not remember when the credit card bill is due. Especially if you have more than one credit card, it's a good idea to keep a good record of each bill's due date. This is useful for avoiding bank claims that you are past your due date. In addition, this is also useful so that you avoid credit card interest.
5. Use Mobile Banking or Applications
Mobile applications are essential for keeping credit cards secure. Usually, this application has features that are very helpful in terms of security, such as blocking credit cards if they are lost, changing transaction PINs, and so on. So, if you have a smartphone, try to install a banking application on your smartphone. Hope it is useful!