FRAUD PREVENTION MESSAGE

Receiving New/Renewed Cards

• When you receive your new/renewal/replaced credit card, always check that the card is in your name, and that the sealed package is not compromised. Immediately contact the Bank if the card is not yours, or that the seal is tampered with.
• Please destroy your old/expired/unusable card by cutting it into several pieces ensuring that the chip and magnetic stripe portion is completely damaged immediately upon the receipt of your renewal credit card.
• Immediately sign on the signature panel at the back of your card upon receipt.

Safeguarding your PIN

• When you receive your PIN, please check that the sealed envelope has not been opened or tampered with. Immediately call the Bank if the seal is broken or opened.
• Memorize your PIN immediately and destroy the PIN envelope. Go to the nearest Branch/ATM to change your PIN.

Using your Card at Retail Outlets

• Treat, value and protect your card as if they were cash, keep your card secured and ensure that it is in your possession at all times.
• Check and ensure that the card you received after a transaction at a merchant is yours.
• Ensure that you authorize all use of credit card (face to face or on Phone/Internet).
• Void incorrect charge slips before you sign a new one.

Online Usage

• When purchasing items over the Internet, give your credit card details only on reliable websites and is from a company you trust. Reputable merchant sites use encryption technologies to protect your card information.
• Please avoid using a public computer to shop online. If you do, please remember to log off and quit the browser when you are finished. All it takes is for someone to hit the "back button" to view your personal information.
• Always print and save the confirmation page when completing an online purchase. Record or keep your receipts for all your purchases including online purchases.

Managing & Filing your Statement

• Secure your letter mailbox, promptly collect your mail and be vigilant for identity theft. If you do not receive your credit card statements on time, please report to your bank promptly.
• Shred all documents (charge slip, statement etc) that contains card details before you discard them.
• Promptly check your credit card statement and report immediately if there are any transactions that you do not recognize or unauthorized by you.

If Card is Lost/Stolen

• Keep the bank phone numbers readily available with you to immediately report any lost or stolen card, failing which you shall be liable in full for any unauthorized transactions affected through the use of your credit card. Always report to your Bank if your card is lost or stolen, and always check your credit cards periodically to ensure that the cards are not missing from your wallet.
• Sign-up for Card Protection if offered by your bank which helps report all your cards (including those issued by other banks) with just one call if you lose your wallet.

Change of Address/Contact Number/E-mail Address

• Notify the bank in advance for any change in address if you move.
• Keep the bank updated with your latest hand-phone number and e-mail address to allow the bank to perform verification of unusual or suspicious transactions.

Beware of Scam

• Be wary of high-pressure sales tactics such as "SCRATCH & WIN" where they ask for your card details.
• If you received a call from a Telemarketer, ask questions. The fewer questions the caller can answer, more likely they are calling from an illegitimate business.