We’re working very hard to keep credit card fraud to a minimum. However, there are some things that we can’t stop, no matter what we do – so you’ll also need to do everything that you can to stop yourself being a victim of credit card fraud.
The main types of fraud are:
Every Barclaycard customer is protected against credit card fraud. If you’ve done everything you can – keeping your PIN secret, for example – you won’t be liable if your Barclaycard is used fraudulently. One thing we’ll do is give you a call if we think there’s anything suspicious about certain transactions, just to check no one is using your card when they shouldn’t be.
Here's a typical scenario. Your handbag or wallet is stolen and before you notice it's missing, you get a phone call from someone pretending to be us. They'll often say something like "We believe your card has been stolen and we want to check this with you. To help us identify that you’re the real owner of the card, please tell us your PIN." End the call immediately and call us – we will never ask you for your PIN.
No legitimate trader will ever ask for your PIN, either – they will always bring the terminal to you so you can put it in yourself.
Skimming is when someone copies the data from your card’s magnetic strip onto another card without your knowledge. It can happen anywhere – cash machines, shops, bars, restaurants and petrol stations.
So always make sure you can see your card when you’re making a transaction. If someone asks for your PIN and refuses to bring the PIN machine to you, refuse to give it to them, take your card and call us immediately.
It’s easy to lose your card or have it stolen. You could drop it in a shop when you take something else out of your bag or wallet, someone could pick your pocket, you could put it down and forget to pick it up, your bag or jacket could be stolen from your hands, and so on.
If you're expecting a new card or cheque book through the post and it doesn't arrive, call us about it and report it to your local Post Office, too.
Criminals try to get hold of something like a utility bill, a bank statement or some other form of personal information so that they can take out credit cards, loans or mortgages in your name. They keep the money and never make the repayments, so you get a bad credit history that can damage your credit rating, your reputation, even your hopes of finding a job.
So you should always be very careful about how you keep and dispose of anything with sensitive information on it. Don’t just bin it or recycle it – make it illegible or shred it first.
If you think someone may have stolen your identity, there are several things you can do –
Another way fraudsters can get your details is to tamper with the cashpoint machine so that it reads and stores your card details after you have used it.
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If you want to know more about card fraud and how to prevent it, click www.cardwatch.org.uk or visit the Chip and PIN web site. Any questions about chip and PIN not covered here? Call us on 0844 811 9011 (call charges information).
Barclaycard has a great variety of credit cards including balance transfer credit cards.
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