Tips to prevent fraud
• Never let anyone else use your debit, credit or charge cards.
• If you use a mobile payments app (such as Apple Pay), do not give anyone else your passcode or let them add their fingerprint to your device while your Card is registered with it, as this will allow them to authorize transactions on your Card with Apple Pay.
• 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 Eligible Device on which your Card is registered (for example, an iPhone which uses Apple Pay), or think it may be stolen. We will then be able to cancel the Card and prevent fraudulent transactions.
• If you decide to lend out, sell, or give away your mobile device which your Card was registered to, ensure that you have removed all information related to you and your Account before doing so.
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 unrecognized charge or charges appear on one of your statements.
• When no longer required, make sure you destroy or securely dispose of any unwanted statements.
• Checking your statements is easy to do with Online Services – you can check your transactions daily. Or register for Account 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.
• Shred any sensitive information from financial organizations or utility companies when no longer needed.
• Review your credit report (see below) regularly; this may be the earliest way to identify fraudulent activity when you are the victim of identity theft.
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 or password to an unknown party.
• Beware of parties calling or emailing you and requesting 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.