All Credits
Bank plastic cards have been our indispensable helpers for a long time. Firstly, you don't need to carry cash. Secondly, they are indispensable for buying and paying for goods and services online. Three - in the current situation with the coronavirus, plastic cards are much more hygienic than cash because only you use the card and it can be disinfected after each contact with public terminals and ATMs.
To keep the money on your card safe, follow a few simple but very important rules:
1. Choose a secure PIN and password for online banking. No doubt, '2222' and other similar combinations of numbers are very convenient and easy to remember. But there are a lot of people who think the same way as you do! By choosing elementary combinations, you are making it easier for scammers. Also, do not use your date of birth, card expiry date or any other information that could be known to others as a password.
2. Do not keep your passwords in public places. So many people, especially grandparents, have suffered from writing their PIN on the plastic card itself. Try not to say it out loud, and the most correct way is to enter it when you pay yourself.
3. What information on the card is confidential?
PIN code - you can enter it at ATMs and supermarket terminals. The card's expiry date - you will need this for online payments. CVV and CVC codes - these are three digits and are usually printed on the back of international cards. They are used to identify the owner and for online purchases. These codes are for different payment systems: CVV is for VISA and CVC is for MasterCard.
Never enter card details in pop-up boxes that suddenly appear on official websites.
Remember, these codes should never be shared with anyone. If you do, unauthorised people will be able to access your card and take all your money.
By the same token, never give out your card details or password in a text message if you receive a call from an unknown or unrecognised number and are insistently asked for your PIN code. You may be told various reasons: you have won a prize, your relative or friend needs help, etc. Do not fall for these tricks and interrupt the conversation immediately!
Very often the attackers pretend to be bank employees who need to check or update your details. Remember! All your card codes are secret information, so a real bank employee will only ask you for your full name and password. If not, say goodbye and call your bank back to clarify the situation.
If you find that you have lost your plastic card or that you have fallen for a trick and given your card details to a stranger or lost your card, contact your bank immediately and ask them to block your card to save your money. The most convenient way to block the card is through the JOYDA application. If you find the card and want to unblock it, contact the bank and don't forget to show your passport to confirm your identity.
