Frequently Asked Questions - Card Security

Is it safe to use my credit card on the Internet?
Yes, as long as you are using a secure site. A secure site uses a 128-byte encryption. Most retailers provide security information on their website. Registering for MasterCard SecureCode makes purchasing on the Internet more secure.

What is MasterCard SecureCode?
MasterCard SecureCode is a service which protects cardholders from unauthorized purchases on the Internet. The service provides online retailers the security of having credit card issuers authenticate the cardholder before authorizing a purchase.

Who do I contact if my credit card was lost or stolen?
Contact Customer Service immediately if your card is lost or stolen at 1-800-820-8302
(24 hour/day).

What is "phishing"?
A term used to describe an act of sending an email to a user pretending to be an established business to convince the user to provide personal information that will be used for identity theft. The email invites the user to visit their website to update personal information, passwords, bank or credit card account numbers, or Social Security Numbers. We will never ask for your personal information through an email.

What can I do to protect my credit card information?

• Sign your card as soon as you receive it.
• Safeguard your card as though it was cash.
• Memorize your PIN. Never write it down.
• Do not give your PIN to another person.
• Make sure you receive your card back from the salesclerk or waiter when you use it.
• Shred receipts that contain the full account number if you do not need to keep them.
• Review your account statements as soon as you receive them to make sure all the transactions are yours.
• Make a list of your credit card numbers and customer service phone numbers and store it in a locked place.
• Don't give out your personal information such as your credit card number or Social Security Number over the phone or internet.
• Don't lend your card to anyone. You will be responsible for the charges if they charge more than you allowed.

What do I do if there are unauthorized charges on my account?
Notify the credit card company immediately.

How much is my liability for unauthorized charges on my account?
You are not liable for unauthorized charges on your account as long as you notify us as soon as your discover the charges.