Keep personal details personal
When choosing a user ID, password and PIN, avoid using something that's easy to find out, like your child or pet's name. Use different passwords for all your accounts (that includes email and social media), and change them regularly.
Fraudsters may call, text or email you, asking you for personal information such as your account details or verification code (something we would never, ever do). They use this information to create a new login ID for your online account to view or make changes. Or the information may enable them to authenticate themselves as you to verify charges or to request a new Card be sent to them.