Credit & Debit Card 2018-03-26T14:31:34+00:00

CREDIT & DEBIT CARD FRAUD

PROTECT YOUR PERSONAL DATA

Here’s the skinny. Credit and debit card fraud involves the unauthorized use of another person’s card information to make purchases from their account or access their funds. Sounds simple to avoid, right? Well, you may be surprised that millions of Americans find their accounts hacked every year.

Card fraud runs rampant through a variety of channels, including online scams, data breaches, and card or mail theft. It always helps to learn some mental kung fu and know how to defend yourself against this fraud. Rest assured, Southwest Louisiana Credit Union is there in your corner and will continually monitor your accounts and cards for threats and suspicious activity.

In the meantime, try these strategies to protect yourself:

Be Careful with Your Card Information

Record your card and account numbers along with expiration dates in a safe place at home. Don’t share it with anyone. Not your mom, your sister or your dog. Include the phone number for each card company so you can report fraud and minimize damage quickly.

Carry only the cards you need so there is less for a potential thief to leave you dry, and you’ll have fewer cards to freeze if your wallet is lost or stolen.

Have a confetti party by shredding documents containing personal information before throwing them away.
Never give your account number to anyone on the phone unless you initiated the call to a company you know to be reputable.

  • Record your card and account numbers along with expiration dates in a safe place at home. Don’t share it with anyone. Not your mom, your sister or your dog. Include the phone number for each card company so you can report fraud and minimize damage quickly.
  • Carry only the cards you need so there is less for a potential thief to leave you dry, and you’ll have fewer cards to freeze if your wallet is lost or stolen.
  • Have a confetti party by shredding documents containing personal information before throwing them away.
  • Never give your account number to anyone on the phone unless you initiated the call to a company you know to be reputable.

Use Your Card Wisely

  • Never sign a receipt leaving lines—such as the total—blank. The information on a blank receipt may be changed after you’ve already signed it. Drawing a line through any blank spaces may help.
  • Watch your card during a transaction and make sure you get it back. Also, don’t leave a card on your table at lunch while you’re waiting for the check.
  • Look for irregularities with an ATM before using it, especially with the card slot. If it looks odd, it may be a skimmer used to capture your credit card information. If you notice it after you’ve inserted your card, alert the card issuer.
  • Be cautious when using your cards online. Only enter information on websites you’re 100 percent sure are legitimate or use a third-party site when you can.

What to Do in Case of Fraud

If your card is lost or stolen, or you suspect you’re a victim of fraud or identity theft, stay calm and call Southwest Louisiana Credit Union’s 24-hour phone numbers:

Lost or Stolen Debit Card: (800) 325-3678
Lost or Stolen Credit Card: (800) 543-5073
Debit Card Fraud: (866) 842-5208
Credit Card Fraud: (800) 906-0005

Click here to Learn More About Fraud Reporting.

What We’re Doing for You

We have ninjas. Okay, maybe we don’t, but we do use state-of-the-art fraud prevention systems. Our dedicated staff monitors your accounts for fraud and unusual activity and will notify you of any suspicious activity. We follow strict safeguards when mailing out cards and statements and verify your identity whenever calling in. To be certain that we reach you quickly, please make sure we have your updated contact information. In addition, our Zero Liability policy ensures that you won’t be responsible for false charges to your account. That means we don’t punish the victim for having a rough day.

If you plan to travel internationally or domestically, you can add travel notifications as an added safeguard, so when you’re on that 8-hour flight to Europe, all you have to worry about is not getting motion sickness instead of your money. When you notify us of your travel plans, you can still use your Southwest Louisiana Credit Union debit and credit cards when our fraud monitoring would normally question any purchases you make. Just call our call center at 337-477-9190. Please be sure to provide the location and dates of your travel, including stopovers if you’ll have connecting flights.

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