Tips to prevent fraud
Keep all your financial details safe and secure. Here’s what you can do to help minimise the risk of fraud.
Most importantly…• Never let anyone else use your debit, credit or charge cards
• Immediately sign the back of new cards
• Always destroy old, expired cards by cutting them up
• Let us know immediately if you've lost your Card, or think it may be stolen. We will then be able to cancel the Card and prevent fraudulent transactions.
Protect your PIN• Never keep your PIN in your wallet, purse or diary, or record it in a way that others could understand
• Do not tell anyone else your PIN, password or security information
• Always try to cover your hand when entering your PIN at a terminal or ATM to prevent others seeing your number
Shop wisely online• When shopping online, only use "secure" web pages. A web page is secure if there is a locked padlock in the lower right-hand corner of your browser or if the address starts with 'https', where the 's' stands for secure.
Review your statements regularly• Keep copies of your receipts and compare them to your statement
• Call your card issuer as soon as possible if an unrecognised charge or charges appear on one of your statements
• When no longer required, make sure you destroy or securely dispose any unwanted statements
• Checking your statements is easy to do with online services - you can check your transactions daily. Or register for card alerts to monitor your account activity, with weekly account balance updates by email or text message
Protect yourself from identity theft• Safeguard all your personal information and documents, especially your date of birth - this information can be used to steal your identity
• Tear up or shred any sensitive information from financial organisations or utility companies when no longer needed
• Review your credit reference report (see below) regularly; this may be the earliest way to identify fraudulent activity when you are the victim identity theft
• For a small monthly sum, our Identity Defence plan * will give you unlimited access to your credit report as well as providing an alert system that notifies you if your credit report is being accessed
Protect yourself from phishing• Phishing takes the form of fake emails or websites that try and get you to part with sensitive financial information like log-in details or passwords.
• Never release your Card number, Card security code, PIN or password to an unknown party. Beware of parties calling or emailing you and re questing security information. If you are unsure about the identity of a caller, phone the company back using the number on your Card or statement. Note: American Express® is obliged to identify you when calling you. We will normally ask only for partial answers to security questions.
• Keep your anti-virus software and firewall up-to-date to prevent fraudsters accessing your details via your computer
Credit reference agenciesEquifax PLC
Credit File Advice Centre
P.O. Box 1140
0870 010 0583
Consumer Help Service
PO Box 9000
0870 241 6212
Consumer Services Team
PO Box 491
0870 060 1414
Call credit website
*For Identity Defence Plan American Express Services Europe Limited, registered office 76 Buckingham Palace Road, London is an Appointed Representative for insurance mediation activities of American Express Insurance Services Europe Limited. You may call them free on 0800 731 2486.You will not be charged a fee for this service.