Cardholder Security Tips

15 Tips for Visa Cardholders:

  1. Protect your cards as if they were cash. Do not leave them unattended anywhere, such as in a car, bar, night club or on the beach.
  2. Never write down your PIN—memorize it.
  3. Ensure that you get your card back after every purchase. If at all possible, do not let your card out of your sight.
  4. Always check sales vouchers including the purchase amount when you sign them—keep copies of sales vouchers and ATM receipts.
  5. Always check your billing statement, especially after a trip. Check the amounts of your purchases against your sales vouchers and receipts—specifically look for transactions which are not yours.
  6. Make a record of your credit card account numbers and telephone numbers for reporting lost or stolen cards. Keep that list in a safe place.
  7. If you feel pressured by a telemarketing salesperson, be suspicious. Never give out your account number unless you've decided to make a purchase.
  8. Do not volunteer any personal information when you use your credit card, other than your ID document which may be requested.
  9. Know who has access to your cards. If your credit card is borrowed by a family member (spouse, child, parent), with or without your knowledge, you may be responsible for their purchase/cash withdrawal.
  10. After completing an ATM or Debit transaction, remember to take your card and, if provided, your transaction record.
  11. Never disclose your PIN to anyone. No one from a financial institution, the police, or a merchant should ask for your PIN. You are the only person who should know it.
  12. When selecting a PIN, always avoid the obvious—your name, telephone number, or date of birth, or any combination.
  13. When your card has become stuck inside of the ATM machine, be suspicious of anyone offering help, even if they appear to be a bank security officer. Criminals can obtain your PIN by several means (shoulder surfing or straight forward questioning), then retrieve your jammed card from the ATM and use it to withdraw funds.
  14. When traveling it is advisable that you only take one ATM card and memorize the PIN. Also, let IFCU know you will be traveling. We can monitor unusual spending patterns and block a card or even an entire country to prevent potential fraud.
  15. Report lost or stolen cards immediately!

To report a lost or stolen VISA credit card call:

(800) 556-5678

To report a lost or stolen VISA Check & ATM card, call:

(866) 906-4127

For after hours service, call:

(800) 847-2911 or

(800) 682-6075

To contact IFCU's Card Services Department, call:

(765) 771-8000