Wednesday, March 01, 2017
No break for fraud: Travel safely during Spring Break
The spring-break countdown has begun!
If you’re planning a getaway, it’s easy to get wrapped up in the excitement of the excursion. But don’t take a vacation from fraud prevention while you’re away from home.
"We are all human and hope that credit card fraud won’t happen to us,” says Marlie Russell, a card services representative at Dupaco Community Credit Union. "But fraudsters are everywhere."
Falling victim to fraud can quickly sour your time away—forcing you to spend time undoing the damage instead of enjoying your trip.
Follow these fraud-fighting tips so your vacation can remain just that:
Notify cardholders of your travel itinerary in advance to ensure your credit and debit cards will work while you’re away. Provide them with these details:
“Also, if there are two cardholders on the account but only one person is planning on leaving, we need to get that noted so security doesn’t suspect fraud,” Russell says.
More isn’t always better
When it comes to credit cards, travel lightly. Don’t store the cards you bring in the same place, and always know exactly where they are, Russell cautions.
“If your wallet is stolen on your trip, it’s better to have one card taken than all your cards,” Russell says.
Be aware of your surroundings
If you’re withdrawing cash or paying with your debit card, cover the PIN pad with your free hand so no one else sees your PIN.
And always pay attention to the card-reading devices you use. Does it look questionable? If so, err on the side of caution, and pay with cash.
“If you don’t know the person or the merchant, and your instinct doesn’t feel right about giving them your card information, you can always use cash,” Russell says.
Monitor your accounts
Always monitor your accounts while at home or away on a trip. Both Shine Online and Shine Mobile Banking allow you to keep tabs on your accounts.
Through Shine Online Banking, you can set up eNotifiers to be notified of activity and transactions on your accounts.
“This way, if your card is compromised in any way, you will be the first one alerted within seconds of the transaction being made,” Russell says.
By Emily Kittle