10 Easy Tips for Debit Card and Credit Card Safety
Debit Card and Credit Card Safety – Just as the use of credit card and debit card is increasing in our country, the cases of fraud related to it are also increasing.
Nowadays almost every working person, whether it is man or woman, has a credit card or debit card which people use for shopping or other online transactions.
Sometimes we even give our card to children so that they can buy something from the market using our card. In such a case, you need to be very cautious not only for your child to use your card but also when you yourself use your card, you should always be cautious.
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Friends, today’s article are based on how to avoid credit card and debit card fraud. Everyone earns money with a lot of hard work and no one wants to see their money being swindled, in such a case, today’s post is going to be very useful for you.
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So, let’s start.
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Set a limit for your daily transactions because if someone cheats you, he will not be able to withdraw more money than the daily limit and the remaining money in your account will remain safe.
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If you lose your credit card or debit card or it gets stolen, block your card as soon as possible from the mobile app. If you are not able to block it from your mobile, you will have to call the customer care of your card and get your card blocked and save your money from being looted.
Always keep an eye on your children’s online shopping and gaming to make sure they are not using credit card or debit card there. Both of these are such habits that you never know when the card will become empty.
In such a case, keep checking the children’s card from time to time or give them a card with a low limit. Always keep these things in mind
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Nowadays you must be seeing in newspaper or TV news how people are being cheated online, so in such a situation it becomes necessary for you to review your card at least weekly and keep checking your bank statement online from time to time and in case of any suspicion of fraud, contact your bank immediately.
Never share your PIN number with anyone under any condition and do not write it down in your purse, if you have to write it down then write it down as a code word.
Try not to withdraw money from ATMs located in metro stations, retail stores, airports or other public places because in these places, the thieves have installed skimming devices by which they can clone your ATM card and withdraw money from it.
In such a case, you should always withdraw money from an ATM, no matter which bank’s ATM it is. Also, you should avoid logging into your bank account using Wi-Fi in public places because doing so can hack your card or your entire phone/laptop.
While shopping from any website or while giving your information on any website, check whether that website is safe or not. And for this, the safest way is to see whether the URL of that website has https prefixed or not. If it is not, then this site is not safe and if it is, then this site is considered safe.
Keep changing your passwords from time to time because your password is easily found on websites like dark web and this is the reason that changing your password after a few days is the right option for safety.
If a shopping website offers cash on delivery option then such website is considered safe most of the time because cash on delivery option is given only by those to whom they want to sell their product, those doing fake work do not offer such option.
While using the ATM, do not throw the receipt that comes out from the ATM just like that, but throw it after tearing it properly because by throwing it like this someone can misuse your bank account number.
Do not put any kind of information related to your net banking, credit card and debit card on the internet. If your card gets stolen or lost, it is best to get the call cab cards blocked at customer care without any delay.
Whenever you receive a new card, check carefully whether your envelope is properly sealed or not. And after this it is better to change your default PIN which comes from the bank as soon as possible.
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Keep changing your PIN after a few months and also keep in mind that if you give your card to a shop, they should swipe your card in front of you.
If you do not want to use your card, then cut it properly and throw it in a separate place. And do not share your personal details on any type of call or email. After any type of online transaction, always clear the cookies after logging in from the website.
FAQ about Debit Card and Credit Card Safety
Can someone withdraw money immediately if the card is lost?
Yes, it can be taken out, but if you have set a limit for your card and get your card blocked as soon as possible, then there are chances of your loss being less.
Is it necessary to change the card PIN frequently?
For safety reasons, changing the PIN after a few weeks is good for your financial health.
What should be done first when the card is lost?
If the card is lost, you should block your card as soon as possible and complain about your card being lost at the police station.
Is it safe to give the card to children?
If the children are small then avoid it, if the children are older then keep checking their transactions from time to time.
Is UPI transaction as safe as credit card or debit card?
If you keep your UPI app safe and do not share your UPI pin and OTP then it is absolutely safe.
Can we withdraw money by scanning QR code from our ATM?
Yes, now many ATMs have started UPI based cardless withdrawal system where you can withdraw money by scanning QR code from your phone.
Do all bank ATMs support cardless cash withdrawal?
Not at the moment, but only those ATMs which have ICCW support support cardless cash withdrawal.
What should we do after doing an online transaction?
After doing an online transaction, you have to logout from your PC or mobile and clear your browser history and cookies. Also keep checking your transaction notifications and emails.
Can your card be temporarily blocked from the mobile app?
Yes, most banks give you the option of temporary block or unblock.
So friends, we hope you find our article “Tips for Debit Card and Credit Card Safety” very helpful, plese do share with others, thanks.
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