Credit Card Security
As RBC is always working to reduce fraud, we have recently introduced an advanced, state-of-the-art fraud monitoring system which gives RBC the opportunity to detect fraud immediately as it is being carried out. Therefore we may try to contact you immediately if your card is being used in an unusual way, to ensure that it is indeed you, who is using the card. This is in no way a reflection of your credit worthiness. If we are unable to contact you we may limit further use of the card to ensure you are protected. To optimize the efficiency of RBC’s fraud prevention service, please let us know if you are moving and give us a call before you travel abroad.
What can I do to protect myself against fraud?
- Treat your RBC credit card as if it were cash – do not leave it lying around and always be aware of where it is.
- Upon receipt, sign your card immediately in the panel designated “Authorized Signature”, found on the reverse side. Use a ballpoint pen.
- Never lend your card to anyone, even your friends or family.
- Don’t respond to unsolicited emails or calls requesting personal details or financial information
- Protect your confidential details and keep all of your banking information in a safe place.
- Destroy all banking correspondence you receive when you no longer need it, even transaction slips as they may display your card number. What you consider rubbish can be useful to a fraudster.
- Always check receipts and purchase amount when you sign the transaction slip and then again against your monthly statement and report errors right away.
- Be vigilant to ensure that the merchant swipes your card through a genuine POS machine.
- Never disclose your credit card details over the phone unless you initiated the call
- Shop only on Internet sites that offer secure ordering. If the URL (web address) starts with “https” then the site is using a secure server.
- Most browsers also display special icons, for example a padlock or a key, in the lower right-hand corner of your browser window, to indicate secure sites.
- Many merchants also advise of the security precautions they have taken on their site. Look for this advisory. If you don't see it, ask about it.
- Whenever you are traveling or you change your address or phone number, notify the Card Centre in advance.
- Be sure to report lost or stolen cards immediately.
What am I responsible for?
Your responsibilities as a cardholder are outlined in your cardholder agreement. Take time to review it correctly. Using your Client or credit card confirms that you have already read and understood the agreement and agree to its terms and conditions.
Protecting Your PIN
- It is vital that no one gets hold of your Personal Identification Number (PIN).
- Select a PIN that would not be obvious such as 1234, your birthday, car registration number, etc.
- Never tell anyone your PIN or let them enter it for you.
- Never give your PIN when ordering by phone, post or online, with your RBC Credit Card.
- Authorised users of your account will have their own PIN.
- Never write your PIN down.
- When using a cash machine or point of sale terminal, shield the machine with your body to ensure no one will be able to see your PIN. If you feel crowded, ask others to stand back before you enter your PIN.
- Be wary of anyone trying to watch you enter your PIN. Don’t let yourself get distracted.