1. Be on guard:
- Regularly monitor your accounts, carefully review statements and notify your issuing financial institution promptly of any unusual activity. Studies have shown engaged consumers are less impacted by fraud.
- Be extra vigilant against phishers looking to steal additional private information. It often starts with an email with link to an internet site that looks real, but is just a scam to get you to enter your personal information. Be cautious of a link that has allegedly been sent from your financial institution asking for detailed personal information. If concerned, reach your financial institution directly through the web or via phone.
2. Shop with confidence:
- It's important for you to remember you are protected against fraudulent purchases when you use your debit or credit card with Visa's zero liability protection policy.
- Debit cards have the same zero liability protections as credit cards, and provisional credit is provided typically within 24 hours.
3. Take precautions:
- While identity theft is uncommon, it's always a good idea to regularly check your credit report for incorrect information.
- Consumers are entitled to one free copy of their credit report every year at www.annualcreditreport.com or by calling 1(877)322-8228.