Credit Card Security Advice

Credit Card Security Advice

• Using and protecting the card
• Please check the SMS notifications of your credit card transactions carefully, and report any unauthorised or unusual transactions to the Bank immediately.
• Do not sign credit card sales slips without an amount.
• Properly keep all the credit card sales slips / statements in a safe place, or destroy them.
• Do not disclose your credit card information to promotion agents through telemarketing, public computers or promotion stalls.
• Do not disclose your credit card information in non-secured web sites,
  e-mails or hyperlinks.
• Sign your card at the signature panel as soon as you receive it.
• Properly keep your credit card in a safe place.
• Do not allow anyone to use your credit card.
• Do not disclose casually the one-time password for credit card payments to prevent theft of accounts.
• If you receive a "One-time Password" sent by the Bank, you must check carefully the contents of the SMS including the payee details, merchant name, transaction amount or transaction nature, and avoid using the auto-fill function of mobile devices or computers, which may result in passwords being sent directly to fraudulent websites for illegal transactions.
• Please report to the Bank promptly if you notice or suspect that your credit card/PIN has been stolen, lost, used without authorisation or if there is any leakage of information by calling the Bank´s 24-hour hotline at (852) 3768 8811, in order to minimise possible loss and to avoid any chance of improper use of your card.
• When a renewal card is received, cut the old credit card into halves and dispose it.
• Protecting the Personal Identification Number (PIN)
• Destroy the PIN advice after you have memorized your PIN.
• Do not allow anyone to use your PIN or disclose your PIN to anyone.
• Do not keep your PIN together with your credit card in the same place.
• Do not write your PIN on your credit card.
• Do not write down or record your PIN without disguising it.
• Do not use your identity card number, telephone number, date of birth, driving license number or popular number sequences (such as 123456) when choosing your PIN.
• Do not use your PIN for accessing other services (such as connection to the Internet, accessing other web sites or emails, etc.).
• Do not leave your security device (including mobile phone with soft token installed or mobile phone used for receiving one-time password) unattended. Enable biometric authentication (e.g. fingerprint or facial recognition) or passcode lock and set up auto-lock of security devices.
• Protecting sensitive personal or financial information
• Protect your sensitive personal or financial information carefully. Be cautious of potential fraudulent website requesting for your personal or financial information, such as in performing credit card online transactions.
• Take the initiative to verify the identity of the information requesting party through other channels like telephone, to avoid theft of your personal or financial information.
• Ensure you are connected to the trusted websites before providing your personal or financial information to third parties.
• Report to the Bank immediately in case of any suspicious situation.
• Other security advice
• Check the card statements upon receipt and report to the Bank immediately for any unusual transactions.
• If you find any illegal skimmer, video camera or abnormal accessories in the ATM machine, report to the Bank immediately.
• If you find trace of your mails (including card statements) being damaged or opened, report to the Bank immediately.
• To ensure that the Bank can promptly notify you of any important notification with credit card, please remember to provide the Bank with your latest contact information.
• Please safeguard your credit card, credit card information, sensitive personal information and personal identification number (including ATM PIN and One-Time Password), and pay attention to the preventive measures recommended by the Bank from time to time. You will be liable for the unauthorised transaction(s) if you do not duly follow the preventive measures recommended by the Bank from time to time, for example you failed to safeguard your credit card, credit card information, sensitive personal information and personal identification number due to negligence, or ignored the transaction alert from us.
• To learn more about the latest scam alerts, please visit the Anti-Deception Coordination Centre’s website: www.adcc.gov.hk/en-hk/alerts.html
• In particular, you can search “Credit Card Alert” in the search field in the above website, to view the alerts on latest and/or popular card fraud and scams.
• Please click the below link for the educational video published by the Hong Kong Monetary Authority YouTube channel: www.youtube.com/watch?si=hNJdueE4ugmQnFog&v=lAzG6kA5Ejo&feature=youtu.be