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SMART DEBIT CARD USE
Below are some simple tips
that will lead smart use of your debit card. Related
reading includes
using a credit card wisely.
-Recognize which type of debit card you have, and inquire
whether you have a choice. It is common for banks to
change
ATM cards to debit cards that do not require PIN
without letting their customers know.
-Make sure you keep your ATM card in a safe place, the
same as you would
credit cards, cash or checks.
-Never leave your card lying around at work or at home.
-In the event that your card is stolen or lost, or you
believe it is being used fraudulently, immediately
report it to your bank. Have them close the account and
request for a new account and PIN from your bank.
-Never throw your debit card transactions receipts away
without first ripping them up. It is very common for
thieves to 'dumpster dive' for information and documents
that have account numbers listed. Get more info about
how to prevent identity theft.
-Never write your PIN on your card. In fact, a good idea
would be to memorize it.
-Avoid selecting a PIN that can be figured out by a savvy
thief, i.e. numbers that correspond with your phone
number, birth date ect..
-Keep your PIN to yourself. Never give it to ANYONE!
-Always keep track of how much money you have in your
account, and go over bank statements thoroughly.
-Keep in mind that using a debit card may permit you to
access money that you have put aside to cover a check
that has yet to clear your bank account.
-Store receipts in a place that will allow for easy
retrieval and enhanced oversight of your account.
-Never offer your debit card number over the phone, or
online unless you are the one that has initiated the
call and are positive that the recipient is genuine. Get
educated on
internet phishing scams.
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