Serving the needs of Northeast Tennessee since 1952
AND Bill Payment
Guard Your Cards
Credit/debit card fraud is a form of identity theft. It occurs when a criminal deceitfully gains access to and uses another person's payment card account. If this happens to you,fraudsters may not stop at racking up charges on your card in a store. They can cause many other problems, including accessing and changing your personal information.
You can reduce your exposure to card fraud and theft by following basic card account maintenance and safety practices.
- Safely store cards when not in use.
- Consider the amount of cards you possess. The benefits of having several may be outweighed by
the risks, such as losing track of their location or account activity.
- Always memorize your card PINs. Never write
them down on cards or share them with others. Change them frequently.
- Make a list of your card account numbers, expiration dates and customer service phone numbers. Keep the list in a secure place that you
can access quickly if your cards are lost or stolen.
- Go "paperless" with bills and statements.
Otherwise, know when to expect your credit card
bills in the mail and keep an eye out for them. If
they don't arrive, it's possible an identity theft stole them, or gained access to your account and
changed your mailing address. If you suspect this, call your card company immediately.
- Assign one credit card for online purchases only.
- Check your card activity and bank accounts regularly. Look for unfamiliar charges.
- Keep a close eye out for charges of less than a dollar or two. A thief may charge a small amount
to "test out" using your card. Unwary consumers
often do not notice or care about small amounts, making them prime targets for identity theft and
fraud. Report and investigate any questionable charges to your card immediately.
- When you receive replacement cards,
thoroughly destroy the old ones.
- Stop unsolicited credit card convenience checks. Thieves can steal these from your mailbox or
trash can and use them to access your credit
and identity. Contact your credit card provider to
find out how to be removed from the appropriate mailing list.
- Don't give out card information over the
phone unless you made the call and know
you are dealing with a trustworthy business.
You can stop receiving unsolicited, prescreened offers of credit or insurance by mail as well as by phone or email.
Call 888-5-OPTOUT or go to
You can choose to opt out
for five years or permanently.
Lost VISA Debit Card: 1-800-472-3272, then call us at 423-547-1200
Lost VISA Credit Card: 1-800-558-3424, then call us at 423-547-1200
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© 2008 Northeast Community Credit Union
Your Insured Shares:
Your shares are insured up to $250,000 by the National Credit Union Share Insurance Fund (NCUSIF), an arm of the National Credit Union Association.