Sunday, June 8, 2008

Tips for responsible use of debit cards

1. Know that kind of positive identification you have got, and ask your bank whether or not you have a alternative. Some consumers have complained that the bank modified their ATM cards to debit cards that do not need personal identification numbers while not belongings them apprehend.

2. Always defend your ATM card and keep it in a safe place, just as you'd money, credit cards or checks.

3. Do not leave your positive identification lying round the house or on your desk at work.

4. If your card is lost or stolen, or you suspect it's getting used fraudulently, report it immediately to your bank.

5. Close your account and raise your bank for a new account range and PIN.

6. Hold on to receipts from your debit transactions. Don't throw them in public trash cans or perhaps in your own trash while not 1st shredding them. Crooks have been known to "dumpster-dive" for documents that have account numbers and alternative personal info.

7. Memorize your PIN, and do not write it on your card.

8. Don't select a PIN a sensible malefactor may comprehend, such as numbers adore your birth date or your sign.

9. Never offer your PIN to anyone. Keep it private.

10. Always apprehend however abundant cash you have got in your account, and review bank statements carefully. Don't forget that you justr positive identification could permit you to access cash that you have put aside to hide a make certain has not nevertheless cleared your bank.

11. Keep your receipts in one place for easy retrieval and higher oversight of your account.

12. Never offer your debit card range over the phone unless you initiated the decision and area unit sure that the recipient is legitimate.

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