CARD SAFETY: A FEW SIMPLE TIPS TO MAKE YOU SAFER Credit cards have become an indispensable part of everyday life and should be handled with care. Sometimes just a little common sense can help you avoid a situation may later regret. Below are some useful tips on how to protect your credit cards, social security number and other important documents.
* Record the names, account numbers and addresses of card companies and keep that information in a safe place.
* Treat cards as if they were cash. Do not carry unnecessary cards.
* Sign cards, and destroy expired cards.
* Keep a copy of drafts and check them against monthly statements
* Never leave cards, or card receipts (which often have the card number on them) in cars.
* Make sure after each purchase the card is returned, and make sure it is the right card.
* Never lend a card to a friend.
* At home, keep cards out of sight.
* Contact Rio Grande Credit Union immediately if you notice fraudulent activity on bills or if your card is lost or stolen. We will connect you with Falcon Fraud, who will work with you to resolve the issue.
* Possibly the greatest sources of credit cards, checks and other negotiable items to fraud artists are mailboxes. Consider a locking device for your mailbox.
Rio Grande Credit Union has been notified that cardholders from a number of area credit unions have recently become the victims of two new vishing attacks. Vishing is the criminal practice of using social engineering and Voice IP to gain access to private personal and financial information for the purpose of committing fraud.
The fraudsters are identifying themselves as calling from the credit union. The automated calling system asks for members to enter their account number, expiration date and CVV2/CVC2.
Rio Grande Credit Union or Card Services will never request personal and financial information through phone solicitation.
1. Cardholders are receiving telephone calls in which the fraudsters are portraying themselves as calling from the security department at Visa® or MasterCard®. The fraudsters state, "I am calling from the Security and Fraud Department at Visa/MasterCard. My badge number is 12345. Your card has been flagged for an unusual purchase pattern and I'm calling to verify your transactions. This would be on your Visa/MasterCard issued by Rio Grande Credit Union. Did you purchase an Anti-Telemarketing Device for $497.99 from a marketing company based in Arizona?"
When the cardholder indicates no, the fraudster states that they will then issue a credit to the cardholder's account. The fraudster then verifies the cardholder's address by giving the address to the cardholder. In some instances the fraudster will give the cardholder a case number to refer back to when calling Visa/MasterCard. At the end of the call, the fraudster indicates they need to verify the cardholder is in possession of their card and asks for the security code on the back. Within minutes, charges start to appear from a marketing firm in Arizona.
2. The attack consists of a telephone call in which a live or prerecorded voice advises the cardholder that the call is being made on behalf of SHAZAM or the credit union and that the cardholder must "reactivate" their card by entering or giving out information immediately. These calls should be considered fraudulent and have not been authorized by SHAZAM or Rio Grande Credit Union.
Rio Grande Credit Union will never ask for personal or financial information via phone solicitation. You should never give out your account number, expiration date, CVV2/CVC2 or any other personal information to anyone who initiates a call to you.
FRAUD ALERT: DON’T ALLOW YOUR EMAIL INBOX TO TRICK YOU
Rio Grande Credit Union and the Credit Union National Association (CUNA) have been made aware of a new phishing e-mail that is circulating. The e-mail requests members call a phone number due to the compromise of a credit card account. You should not respond to this message.
While the phishing e-mail does not cite Rio Grande Credit Union specifically, it does refer to an unnamed 'credit union' and requests personal information in order to 'reactivate your account'.
Rio Grande Credit Union or CUNA would never request personal identification information via e-mail solicitation.
Below is an excerpt from a similar phishing e-mail:
"Dear Credit Union customer,
We regret to inform you that we have received numerous fraudulent emails that ask for personal account information. The emails contained links to fraudulent pages that looked legit. Please remember that we will never ask for personal account information via email or web pages. Because of this we are launching a new security system to make Credit Union accounts more secure and safe. To take advantage of our new consumer Identity Theft Program we had to deactivate access to your card account. To activate it please call us immediately at (641)665-5660 Activation is free of charge and will take place as soon as you finish the activation process."
Below is an excerpt from another type of phishing e-mail:
"Dear ebanking services user,
As part of our security measures, we regularly screen activity in the ebanking system. We recently contacted you after noticing an issue on your account. We requested information from you for the following reason: Our system detected unauthorized use of a bank account linked to ebanking accounts....Be sure to log in securely by hyperlink below...https://e-services.com/nubi/signin.aspx....We thank you for your prompt attention to this matter...Sincerely, ebanking-services Support Department"
RGCU has been investing in the security of our systems for over 55 years. Read these helpful hints to stay alert against potential fraud.