Preventing credit card fraud

Credit card fraud is a very sophisticated business that can leave its victims financially damaged or in debt. Learn how to prevent fraud and protect yourself against thieves and scammers who could seriously threaten your credit card security.

Protecting your pin and passwords

Chip and pin cards are a reliable form of fraud prevention. Users must key in a personal identification number (PIN) rather than signing a receipt. Your PIN number should arrive in the post separately to your aqua card. If you don’t receive it, or you are worried that it might have been stolen, please call aqua as soon as possible on 0333 220 2691.

Do not divulge your PIN number to anyone or write it down, and be vigilant at all times when using cash machines. Don’t choose a digit variation that is common or predictable, like your birth date or telephone number. It is also beneficial to select a strong personal password for online banking to protect yourself from hacking. These steps will all help minimise your chances of falling prey to fraudsters, increasing card fraud prevention.

Avoiding scams and phishing

Try not to get duped into paying fees in advance or buying extra credit card protection if you’re already covered. Also, be careful not to click into emails pretending to be from the bank. If the message is genuinely from your bank they will address you by name and they won’t ask you to divulge your passwords. Fraudsters commonly pose as banks and other businesses to trick unsuspecting credit card holders into giving out personal details.

Practising vigilance

If you have lost your credit card or it’s been stolen report it missing as soon as possible to ensure you’re less likely to pay for any fraudulent charges made on your card. aqua’s friendly 24-hour customer service helpline operates seven days a week. Please call 0333 220 2691 to report your lost or stolen card and aqua will quickly cancel it and organise a replacement.

When shopping online only enter your credit card number on secure websites that you can trust. You can check that the site is secure by looking for a lock in the lower right corner of your internet browser. Also be careful when surfing the internet at cafés or over public wireless hotspots as your private details could be intercepted.

Finally, don’t let anyone else use your card. Try to always shred receipts and credit card statements before you dispose of them and be wary of offers that sound too good to be true. Fraudsters can make persuasive proposals to get your attention so take the necessary action to improve card fraud prevention.