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FRAUD PROTECTION

 

Keep all your financial details safe and secure. Here’s what you can do to help minimise the risk of fraud.


American Express never asks Cardmembers to supply personal information or card account details via email

Most importantly…


  • Never let anyone else use your credit card
  • Immediately sign the back of the new card
  • Always destroy your old, expired cards by cutting them up
  • Let us know immediately on 0114414141 if you've lost your Card, or think it may be stolen. We will then be able to cancel the Card and prevent fraudulent transactions.

Protect your PIN


  • Never keep your PIN in your wallet, purse or diary, or record it in a way that others could understan
  • Do not tell anyone else your PIN, password or security information
  • Always try to cover your hand when entering your PIN at an ATM to prevent others seeing your number

Shop wisely online


When shopping online, enter the card details only on "secure" web pages. A web page is secure if there is a locked padlock in the lower right- hand corner of your browser or if the address starts with 'https', where the 's' stands for secure.

Review your statements regularly


  • Keep copies of your receipts and compare them to your statement
  • Contact American Express call center on 0114414141 as soon as possible if an unrecognised charge or charges appear on one of your statements
  • When no longer required, make sure you destroy or securely dispose any unwanted statements
  • Checking your statements is easy to do with Cardmember Online Services - you can check your transactions daily.

What is “ Phishing ”


You receive an e-mail message from what appears to be your Internet Service Provider (ISP). The message requests that you update the information they have on file about you-your name, credit card number, bank account number, etc.-by replying to the e-mail or going to a specific web site address to provide the information. However, neither the message nor the web site address is from your ISP. They belong to someone who wants to get your information to steal your identity.

American Express® Tip:


Always consider whether the American Express would be likely to ask you for the kind of information being requested. If you are at all in doubt about the authenticity of the communication, contact the American Express call center on 011 4 414141and talk to a representative. If you receive an e-mail relating to American Express that you believe could be fraudulent, immediately forward it to americanexpress@nationstrust.com. Please do not include your card number in the e-mail. If you feel your American Express account information has been compromised, please contact American Express call center immediately.



What is “ Pharming ”


You sit down in front of the computer to do some shopping on-line. You type in the internet address of a company's website and then begin adding items to your shopping cart, once satisfied you check out to purchase your online items. You begin entering your personal/payment information, not knowing that the website criminals have actually accessed the company's database and re-directed Internet traffic to a replica website. Identity thieves then use the acquired personal information to access your real accounts.

American Express® Tip:


Using your Card online is safe and convenient as long as you follow a simple rule. When shopping online, only use "secure" web pages when you enter your Card details. A web page is secure if there is a locked padlock in the lower right-hand corner of your browser or if the address starts with 'https', where the 's' stands for secure. Also, it is your responsibility to practice safe computing (e.g. encryption, virus scanning software, firewall, anti-spyware software and other similar safeguards)



What is “ Pretexting ”


You receive a phone call from someone who claims to be contacting you from your financial institution. They speak to you about your accounts and personal information in a way that suggests they must be legitimate. However, this person is actually an identity thief who has uncovered some information about you and is looking for more.

American Express Tip:


Try to minimize the personal information you give over the phone. When you provide personal information, inquire how the information is being used. If you are in any way doubting the identity of the representative on the phone, do not give out any personal information and contact the American Express call center on 011 4 414141 immediately to confirm whether or not this was an authorized call.