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What to Do When Your Credit Card/ Debit Card Got Hacked? – Holiday Crimes

Just the other day, a good friend of mine sent me a message because well – their debit card was hacked! Darn it. I know this crime happens all year round, but the number of cases catapults during the holiday season. Maybe, it’s a high time for us to give you our recommendations on what to do in such scenarios – or general tips on how you can avoid it.

I just read this now. “Avoid using your debit card ever!” Well, this makes sense. You might as well pay in cash if you have it already. My friend used their debit card and when they backtracked what happened, they remembered that the person from the cashier pretended to drop their card – straight to the drawer. Possibly, that’s when the card details were stolen using a device.

Next time, always keep your eye when your card is about to get swiped. Make sure you can see it. If they are doing it in a place where you can’t have access or at least monitor it, be very cautious! If you can request them to do the transaction where you can check everything – so be it. It is your right!

Change your password frequently! I suggest that you schedule your password change. Do it as frequently as possible and keep a secured file where you can access it (you know, in case you forgot the new one).

Make it a habit to check online. Always check your transactions by creating an online account. My friend was able to trace back transactions which they did not do just by logging into their online account. This shall speed up the investigation.

Link it to your email or your mobile number. Or, if you do not have an immediate access to your internet you can always link it to your mobile phone. Every transaction made will be sent to your number and once you are notified by something erroneous, you can easily block the card.

Buy an RFID- proof case. Criminals can have a more advanced technology to scan your cards. You might want to double up your security by buying an RFID-proof case.

And if for some reason it still happens to you, CALL THE BANK IMMEDIATELY and BLOCK YOUR CARD. Subsequently, change all your passwords may it be your email, social media accounts etc. Who knows if the culprit is already stealing your entire identity.

I am not here to scare you. But I want you to be always safe. Sad to say, there are people who would do such crimes and what you need is to be proactive. Do not let them win. Share these tips with your families and friends.

 

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