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Staying safe and having convenient, easy-to-use forms of payment makes the holidays happier for everyone.

Details Really Do Matter

  • Fortify your wallet with two forms of plastic payment cards – credit and debit – and make sure you are aware of how much you can spend per day or per billing cycle on each one to avoid going over your spending limits.
  • Are you planning on shopping like a rock star by making a huge purchase? Call ahead! Alert us as soon as possible so that we can help pave the way to a smooth transaction.
  • Make sure you’ve updated your credit union card accounts with your current email, cell number, and address. Purchases can be denied over something as minor as entering the wrong postal code if it doesn’t match your address on record.

Keep Safety Top of Mind

  • Always put your plastic payment cards back where they normally reside in your wallet. Hasty purchases can lead to misplaced or lost plastic, which will result in delays while you wait for a replacement.
  • Many retailers today accept Apple Pay, Samsung Pay and/or Android Pay. These forms of payment utilize your mobile device to create a safer payment experience using tokenization. A tokenized form of payment replaces your payment card number with a secure encrypted digital payment that can’t be used again. Who doesn’t love that idea?
  • Avoid patronizing unfamiliar online retailers that offer “deals of the century.” These online merchants may not even be legitimate; the only thing they are in the market for is your credit card information. Stick to trusted retailers and brands that you know in order to avoid fraudulent activity on your payment cards.
  • If you see an unusual transaction on your debit or credit card statement, it is imperative that you report this to 1st Ed immediately to ensure that your financial accounts haven’t been compromised and that they remain safely out of criminals’ hands.
  • Use online and mobile banking to monitor your accounts and download CardNav to get real-time control over your debit and credit cards with 1st Ed.

Article taken from: CUInsight Holiday Shopping Tips to Share With Your Members

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