Weekend Argus (Saturday Edition) - - GOODPASTIMES -

Kalyani Pil­lay, the chief ex­ec­u­tive of the South African Bank­ing Risk In­for­ma­tion Cen­tre, says you should do the fol­low­ing to pro­tect your­self against theft and fraud in­volv­ing credit and ATM cards:

When you make a pay­ment with your credit card, check that the card you re­ceive back from the cashier is, in fact, your card and has not been sub­sti­tuted with a dud card;

Never lend your credit card to any­one;

Never give your credit card de­tails to un­so­licited callers who of­fer to sell you some­thing over the tele­phone;

Re­port a lost or stolen card to your bank im­me­di­ately;

Store the num­ber of your bank’s lost and stolen cards hot­line on your cell­phone, so that you can con­tact your bank if your card is lost or stolen while you are away from home;

Re­spond quickly to re­quests from your bank to col­lect new or re­placed cards;

If a re­placed card does not reach you within the spec­i­fied time, re­port this to your bank im­me­di­ately;

Pro­tect your in­ter­net bank­ing pro­file at all times and never give your pass­word to any­one;

Do not al­low web­sites to re­mem­ber your pass­word – al­ways press “no” when you are pre­sented with this op­tion;

Check your monthly bank state­ments thor­oughly and re­port any ir­reg­u­lar­i­ties to your bank;

Dis­pose of your bank state­ments in a way that en­sures they can­not be read;

Never force your card into an ATM’s card slot – use a dif­fer­ent ma­chine if you ex­pe­ri­ence dif­fi­cul­ties with an ATM;

Make sure that no one is watch­ing you when you en­ter your PIN – shield the ATM key­pad with your free hand; and

Al­ways choose an ATM that is in a well-lit and safe area.

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