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27 Ways to Avoid Becoming a Victim

Fraud Alert:

More tips to stay safe and avoid fraud online:

  1. Stick with Trust: Always use a trusted merchant while shopping online and make sure your every purchase is secured with encryption, which protects your account information. To ensure that the transaction is secure, check that the web address starts with https://.
  2. No Mercy: If you suspect someone suspicious is trying to contact you, don’t hesitate to block them or add them to your spam list.
  3. What your bank says is true: Never, ever share your bank details with anyone. Your bank will never ask you for your account number, PIN or password over email.
  4. Anti Virus works: Use good anti-virus and anti-malware software to protect your computer, phones and tablets. Make sure you check regularly for software updates.
  5. Don’t use Internet Cafes for sensitive stuff: Avoid accessing your bank accounts from a public or office computer. If you can’t avoid it, at least make sure to do it in private and log out from the pages after you’re done.
  6. Share your misfortune: If you’ve ever been tricked online, share your experiences with family members, especially young people and the elderly, who are more likely to be fooled by scams. CLICK HERE to share your misfortune with Fraud Alert.
  7. Check your credit standing regularly: It’s a good idea to review your credit reports at least once a year to ensure that no one is committing identity fraud under your name, such as applying for a loan, etc. Such activities are not reflected in your monthly card statements.
  8. Use secure multiple passwords: Never keep the same passwords for your various online accounts. It’s a good idea to have different passwords for your emails, bank log-ins and social media accounts. It may seem like an added burden, but it can make a big difference to the security of your profiles.
  9. Invest in a Good Memory: Memorize your ATM PIN and never write it anywhere, especially on your card.
  10. Careful what you store in the cloud: While storing information online or on a shared drive can free up precious device memory, never use such methods to store your financial details, such as bank IDs and passwords or personal photographs. You don’t want them to fall into wrong hands.
  11. Destroy old credit cards: If you have credit cards that you don’t use anymore, call your bank and get them cancelled. Also, whenever you receive a replacement card, destroy the older one immediately.
  12. Avoid the obvious: Never use your date of birth, anniversary or phone numbers while setting up important passwords or pins. That’s the first thing someone will try out when trying to break into your accounts.
  13. Free public wi-fi could be dangerous: Be cautious when using public Wi-Fi hotspots: look carefully at the names of Wi-Fi connections, as scammers can imitate trusted names to get you to connect without thinking.
  14. Avoid dodgy app downloads: Always download a banking app from a reliable source, as it requires you to enter a lot of your confidential information.
  15. Don’t keep those banking ‘love letters’: Make it a habit to delete all bank-related messages after reading as these carry significant confidential information about your finances.
  16. ID Number: Don’t provide your ID number unless it’s absolutely necessary.
  17. Password protect your devices: Keep a pass-code for your phones or tablets so others can’t access without your permission. And never store your banking details on your mobile phone.
  18. Become a cynic: Never share your bank details or credit card information with any random salesperson over the phone.
  19. Should you click on that sexy girl/man: Beware of any suspicious link that promises to make you rich instantly, reveal classified information or is pornographic in nature, and never open any attachments you don’t trust. These may infect your computer with malware.
  20. Do the thing you hate: Those monthly mails containing bank and card statements often go straight to the trash bin, but it’s advisable to check them carefully for any transactions you may not have made. Inform your bank immediately if you spot anything suspicious.
  21. Social Media can be your ruin: Avoid putting unnecessary information on your social media accounts, such as your mother’s maiden name, phone numbers or pet’s names. These can be picked up by hackers to break into your other accounts.
  22. Even QR Codes can bite: Treat QR Codes as you would suspicious links: all they are is a graphical way of sending you to a website.
  23. Receipts are a fraudster goldmine: Your transaction receipts may reveal a lot more than you think. Keep them safely stacked or dispose of them securely.
  24. Watch out for out of sync transactions: Always keep track of your billing and statement cycles and know when you’re due for a payment. Staying up-to-date with all the information will help you spot any suspicious transactions faster.
  25. Store copies of important documents safely: Always keep photocopies of your financial documents and cards in a safe place, in case the originals get lost or stolen. You could use them by the time the replacements arrive.
  26. Don’t be lazy: It may not be convenient to punch in your card details every time you shop online, but really it’s a small price to pay considering it can save your card from being misused.
  27. Be speedy: A loss or theft of credit cards and other important documents should be taken very seriously. Don’t wait: inform the required authorities immediately.