How to choose the right credit card as a student
Fraudsters can access your credit and debit cards details in many ways including data compromise or mail theft. They use this information over the phone or online to make purchases, or to create counterfeit cards to withdraw your cash at ATMs.
The following suggestions may help protect your cards from fraudulent use:
If you believe your card has been compromised, contact your bank immediately.
Protecting your cheques is important to keep your funds safe. At Heritage, we help you protect your finances by providing cheque books with the latest security features. Some more ways you can protect your cheque facility are:
ATMs are common target for scammers who try to steal your card details by installing a card reader or hidden cameras to the ATM. EFTPOS fraud can occur when someone uses your details to re-route your money to their personal account, or records your card details for fraudulent use at a later time.
To help protect your card details when using ATMs and EFTPOS terminals you should:
If you use a Passbook it's important to remember that it is a visual record of your bank account and should be protected. At Heritage, passbook accounts can be accessed via either a signature or PIN and we have processes in place to help protect accounts from fraudulent activity. However, to decrease the chances of someone gaining unauthorised access to your account you should also:
If you’d like to learn about other ways to bank securely, head to our Security and Scam Help and Guidance Hub. You might also like to register for the ACCC Scamwatch alerts and visit the Australian Governments Stay Smart Online website.