Don’t Ignore That $1 Charge on Your Card

It can be easy to dismiss that $1 charge you don’t remember making on your debit or credit card. But you should be paying attention: Scam artists often make $1 “test” charges to see if you’ll notice and take action. If you don’t, crooks know it’s safe to continue using your card, sometimes spending hundreds of dollars in a short time period. If you think you may be a victim of fraud, contact your card issuer and Hopewell Federal Credit Union, and file a complaint with the Federal Trade Commission at ftccomplaintassistant.gov.

Fraud Prevention Awareness from HFCU

FRAUD DEFINITIONS
Phishing is a way of attempting to acquire information such as usernames, passwords, and credit card details by masquerading as a trustworthy entity in an electronic communication. Vishing also called (Voice Phishing) is the voice counterpart to the phishing scheme. Instead of being directed by an email to a website, the user is asked to make a telephone call.
SMiShing is a spin-off version of Vishing. In this instance the victim receives a text message via their cell phone with the implications that there is a threat to their account and request a callback to a number provided in the message. The social engineering tactics used are the same as the phishing and vishing attacks; the only difference is the delivery method.

PREVENTION
• Remember….Hopewell Federal Credit Union will never call, email or text requesting your account number, social security number or last four digits of either.
• Ignore e-mails or pop-up messages that request personal or financial information
• Don’t use links in messages, even if the message appears to come from your credit union. Enter your credit union’s Web address in the browser yourself. Phishers can make links look like they go one place, but it actually send you to their legitimate-looking fake site.
• Read carefully. Typically, phishing messages are not personalized, whereas official credit union communications are. A typical warning sign is that the communication presents an urgent nature to the request.
• Call Hopewell Federal Credit Union at 740.522.8311 to confirm the message. Always use the phone number printed on official statements or credit cards. Do not use the number that appears in the message.
• Keep your home and work computers safe with current technology solutions, including gateway routers and virus/malware/spyware detection software, which will help prevent virus infections and warn when you are attempting to access a known phishing site.
• Don’t e-mail personal or financial information.
• Review credit card and account statements, as well as online transaction, as soon as they are available to check for unauthorized charges.
• Only open attachments or download files that you have requested or subscribed to.
• Forward phishing e-mails as an attachment to spam@uce.gov and the impersonated organization impersonated.
• If you’ve been scammed, visit the Federal Trade Commission’s Identity Theft Web site at http://www.ftc.gov/idtheft for assistance. Also, file a complaint on the Federal Bureau of Investigation’s Internet Crime Complaint Center Web site, http://www.ic3.gov/.

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