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Routing # 307086691 | Wiring Instructions

Monday Messages

Tips to Avoid Credit Card Fraud This Holiday Season

Origninal article from ICC

The holidays are right around the corner. For many this means a time to be joyful and giving. For others, it marks the perfect time to take advantage of increased spending to steal consumers’ personal financial information.
It’s a sad reality that during a time of year that is meant to be merry, we need to be very careful of thieves and hackers. A click of the mouse to add items to your online shopping cart may seem like the easiest way to get holiday shopping done, but online shopping offers a window of opportunity for cyber hackers if not done securely. (Even while shopping in person, we need to be vigilant of credit card skimmers.)

Below are a few tips to protect you, your credit, and identity as you shop:

Look for secure websites

If you’re shopping from a new website make sure there is an “s” included in the web address. It should be “https” in the URL not just “http.” The ‘s’ is for secure. A small padlock icon should also be present in the address bar.

Be on the Alert

If it’s an option, activate alerts from your card company to let you know when your credit card has been used or when a suspicious transaction has been made.  Or when there is a charge made above a certain dollar value. Setting alerts will allow you to act fast and freeze your card if necessary.

Set up your WyHy alerts

Stay Private

Do your online shopping on a private network. NEVER be tempted to shop online using free public WiFi at a coffee shop or library. If you’re shopping online outside your home or office, make sure you use a VPN or virtual private network.
Be Vigilant with Emails: Do not click on any links or download attachments from a sender you don’t know. Such a mistake can put your personal information into the wrong hands. There are companies that may even pose as FedEx, UPS, or another delivery service to say “your package is on its way” with a fake tracking link. That phish bait will give cyber attackers access to your financial information. Always be vigilant!

Go Contactless

Contactless cards are safer to use than magnetic stripe cards. When using a contactless card, an encrypted code is generated each time a transaction is made. The code helps to conceal your credit card numbers.

Get your WyHy Contactless Card

Use Unique Passwords: There are many of us who are guilty of using the same password or two for everything. This is dangerous! Although it can be challenging to remember or keep a record of all your passwords, it is best to use different passwords for each shopping site you use. If a cybercriminal gets a hold of one of your passwords, they will attempt to use it on other websites. Use a mix of lower case, upper case, symbols, and numbers to make passwords difficult to crack .

We’re With You!

As your credit union, our mission is to educate, inform, and improve the financial well-being of our members.  If you are worried about holiday scams you can always reach out for some help! Because like we say, we’re with you.