Shop with confidence knowing you’re protected against Credit Card fraud
Relax knowing that with American Express, your Account is protected by our Fraud Protection Guarantee. That means, you’ll never have to pay for unauthorised spending on your Account1. Whether your Card is lost, stolen or your details fall into the wrong hands, our dedicated Security Team will do everything they can to take care of you.
Credit Card Fraud is the use of your Credit Card details by an unauthorised person. There are different ways in which this can happen, for example a fraudster may make a copy of your Credit Card details and use them for an unauthorised Credit Card transaction over the phone or online. Fraudsters can also trick people in to providing their Credit Card details by pretending there is an official reason for Card details to be shared. Read on to find out what features are included in American Express® Cards to protect you and how we detect Card fraud and scams.
Our intelligent security systems continually monitor your spending patterns for odd behaviour, helping to stop Credit Card fraud in its tracks. Your Account is regularly scanned and if we detect something unusual, we’ll contact you right away to check it’s a purchase you made.
Credit reference providers include:
American Express will never ask for sensitive Account details by email or phone. However, if we call you, we will ask a few security questions relating to your Account, so we can be sure who you are.
A scammer may contact you and ask you to provide personal or Account details. For example, a scammer may notify you of suspicous activity on your Account such as an overseas purchase of a substantial amount. They may ask if you recognise the transaction and if not, the scammer may proceed to ask you to confirm Credit Card details so that they can investigate. Beware of these situations as the scammer may already know your Credit Card number, asking you to confirm your identity by reading out the 4 digit security code printed on your Card.
If you are at all in doubt about whether the email or call is genuine, contact us using the phone number on the back of your Card or on your statement.
There are a range of useful alerts you can choose from to stay on top of your Account, and you can let us know if you want to receive them on your mobile phone or by email. You can also place your Account alerts on hold when you’re travelling or change the time zone they arrive in.
You can set up the following types of alerts:
Keep up-to-date with your Account with weekly balance updates. You select the time and day of the week to receive your update.
Approaching your Card limit (applies to Credit Cards only)
Stay informed as you approach your personal credit limit (does not apply to Charge Cards). You decide at what point in your balance you would like to receive your alert.
You will need to register for Online Services to manage your Account online before setting up your alerts.
Never miss a payment by activating alerts to be reminded about your next Account statement due date.
We are able to notify you by text message or email as soon as our systems detect a fraudulent transaction. When our advanced Fraud Controls spot suspicious activity on your Account, they automatically trigger a text message or email security alert to ask if you are aware of the transaction.
You simply reply by text to confirm the transaction was yours. Or if it wasn’t, call us back and we’ll look into it straightaway.
It’s important that you keep your contact details updated by logging in to your Online Services Account.