Information of Credit Card Security

Keep Online Security Information in Your Grasp

Shopping with credit cards has become a daily habit as online shopping is becoming ever more popular with most people. However, the credit card account may be used fraudulently if the information is leaked unfortunately. Here are some useful information to help you protect your Credit Card Account and Transaction Security.

How do fraudsters make phishing messages?

• Fraudsters may request customers to confirm or provide correct recipient addresses, settle payment for delivery or collect/ process customs duties on behalf of any customs authorities of the destinations for delivery in the phishing emails/ SMS messages alleged to have been sent by Hongkong Post or courier company
• Fraudsters may send fraudulent hyperlinks that invite you to participate in the questionnaire or prize draw to get cash coupons or gifts as baits, or request you to comply with the instructions which appear as important notifications from the bank, in order that induce you to provide sensitive personal information incautiously
• Fraudsters may hold a fake interview in the name of a company job fair and require to keep interviewees’ personal belongings and then obtain the credit card information by illegally means

Tips for protecting credit card account

• Any suspicious email address or domain name (URL), in general, will be incorrect grammar, spelling or information and do not open the attachment or access the website directly through hyperlinks/ QR code embedded. You should always access Internet banking by entering the bank’s website address directly, or using a bookmark or an Internet banking mobile application (App)
• Do verification before providing your sensitive personal information or financial information like credit card into trusted websites. Suggest using other channels like official messages to authenticate the identity of the third party instead of following the instructions from the message directly if the third party requests you to provide your personal information or to transfer money via social software, telephone, email, SMS, etc.
• Check credit card account from time to time and review transaction records with alert messages (e.g. SMS and email) and statements issued by the Bank in a timely manner. To provide Card members with extra protection, Card members will receive SMS alerts upon making designated online transactions, large amount transaction, phone and mail orders with our Credit Cards
• Read and check “OTP” SMS messages before entering the “OTP” as authorization. If you receive any suspicious or multiple "One-time Password"(“OTP”) via SMS, please contact us immediately. Remember to input the “OTP” for transactions only if you have verified the transaction details. Do not forward your SMS with “OTP” to other mobile phones or disclose to third party
• Using the “AutoFill” function of mobile phones may compromise the authentication process
• Customer should only download and upgrade Apps from official App stores or other reliable sources
• Call our 24-hour Customer Service Hotline at (852)218 95588 immediately or report via our App if your credit card is lost or stolen
• Please be reminded that the bank will not send SMS or email messages with embedded hyperlinks directing customers to the websites or mobile applications to carry out transactions. Nor will the bank ask customers to provide sensitive personal information, including login information and “OTP”s, via hyperlinks. If you suspect anyone else has accessed your Bank’s Online Banking website and Applications or you have found any suspicious transactions, please call our 24-Hour Customer Service Hotline at (852) 218 95588
• To protect your account security, please refer to our “Account Security Lock” to handle the card-not-present transactions