Frequently Asked Questions

To help protect yourself from card fraud, consider the following tips:

  • Memorise your PIN. Don't use the same PIN for all your cards, and don't choose your date of birth or another number that might be recorded in your wallet or purse. 
  • Regularly check Heritage Online and your account statements. Call us if you see anything suspicious on your account.
  • Do not allow others to remove your credit/debit cards from your sight at anytime.
  • Card fraud has no borders, so be even more vigilant when travelling.
  • Know when your card is due to expire and look out for your new card. Call the card issuer if it doesn’t arrive. 
  • Immediately sign any new or replacement cards as soon you receive it. Ball point pen is preferred. 
  • Destroy old cards once they have expired.
  • Be sure your mail box is secure, and that only authorised people can access it.
  • Tear up/shred all credit card receipts and pre-approved card offers before you throw them away. Keep your account statements in a safe place until they are destroyed.
  • When you use your cards online, make sure you are using a secure website. For example, using Microsoft Internet Explorer look for a small key or lock symbol at the bottom right of your Web browsers window.
  • Consider using a separate card (with minimal limit/balance) for online purchases.
  • Don't give any card details unless you initiate the call or transaction.

If you believe your card has been compromised, please contact us.

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