When you receive your new/renewal/replaced credit card, always check that the sealed package is not tampered with and the card is in your name. Immediately contact the Bank if the seal is tampered with or the card is not yours.
Once you confirm the credit card is yours, please destroy your old/expired/unusable card immediately by cutting it into several pieces ensuring that the chip and magnetic stripe portion is completely damaged.
Immediately sign on the signature panel at the back of your card upon receipt.
Using Your Card at Retail Outlets
Treat value and protect your card as if it is cash. Keep your card in a secured place or ensure that it is in your possession at all times.
Check and ensure that the card you receive after a transaction at a merchant is yours.
Ensure that you authorize all use of your 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 or to 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 and 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 contact the Bank promptly.
Shred all documents (charge slips, statements etc) that contain 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 are unauthorized by you.
If Card Is Lost / Stolen
Keep the Bank phone numbers readily available with you to immediately report any lost or stolen 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.
Change of Address / Contact Number / Email Address
Notify the Bank in advance of your latest address, mobile number and e-mail address to allow the Bank to perform verification of unusual or suspicious transactions.
Beware Of Scam
Be wary of sales gimmicks and tactics that ask for your card details, e.g. "SCRATCH & WIN" contests or contests sent via SMS.
If you receive a call from a Telemarketer, ask questions. The fewer questions the caller can answer, the more likely they are calling from an illegitimate business.
Do not provide your credit card number over the phone, unless you initiated the call.
Ensure the calls are made to a reliable and trusted company.
Never leave your credit card in any unsecured place, lying around at home or in the office where someone can have access to it. If you do not want to use your card, keep it in a safe and secure place.
Don't leave your credit card in the glove compartment of your car.
Never sign a blank credit card sales receipt. When you sign a receipt, strike a line through the blank spaces above the total.
Do not lend your card to anyone. Your card is not transferable.
Safeguarding Your Pin and Personal Information
When creating passwords and PINs, do not use anything that can be easily traced to you such as your date of birth, identity card no., etc. Do not record such information on anything in your wallet.
Do not carry your PIN with your card or disclose it to anyone.
Never send account information, such as account number or PIN in an e-mail as it may be intercepted.
Do not reveal personal details or your card details to any unknown party.
Beware of imposters who claim to be from the Bank and ask to "verify" your account details to make sure you are protected. The Bank already has your details and does not require them from you.
If you are unsure, please contact the Bank for further confirmation/ clarification.
Online Usage
Never provide your credit card information on any website that is not a secure site.
Never provide your card information online unless you are making a purchase.
Never respond to e-mails that request for your credit card information or that ask you to go to a website to verify personal and/or credit card information.
Be cautious about e-mails that offer credit services. Many unsolicited e-mails are fraudulent.
Board of Directors