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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.



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


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


Credit reference agencies

Equifax PLC
Credit File Advice Centre
P.O. Box 1140
Bradford
BD1 5US
0870 010 0583
www.equifax.co.uk

Experian Ltd.
Consumer Help Service
PO Box 9000
Nottingham
NG80 7WP
0870 241 6212
www.experian.co.uk

Callcredit PLC
Consumer Services Team
PO Box 491
Leeds
LS3 1WZ
0870 060 1414
www.callcredit.com

*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.
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