Six steps to protect customers from debit/credit card scams


SCAMS are becoming more and more “authentic” and “sophisticated”. But there are ways to spot them and outsmart them.

Six steps to protect customers from debit/credit card scams

BDO Unibank lists six useful tips to keep customers safe when transacting with their debit and credit cards:

1. Never share your one-time PIN (OTP), card/account/reference number or three-digit CVV with anyone, even if the person calling tells you that he or she is from the bank. Real bank representatives will never ask for this confidential information.

2. Do not verify your account by clicking on a link sent via email or text message. These links will take you to a website that mimics the bank’s official website. These fake websites are used to steal your information.

BDO for its part will only send links to share information, such as card promotions. When customers come across suspicious emails, BDO recommends sending them to: [email protected].

3. Only carry out transactions via the BDO Digital Banking app or BDO Pay. If a customer uses the web browser, type in the address bar to access the BDO Digital Banking account. Please note that BDO will never ask customers to log in to their Digital Banking account via a link.

4. If BDO monitors a suspicious transaction, the bank will send a transaction alert to the cardholder’s registered mobile number. Using its legitimate sender ID – BDO-Alert, the bank issues the amount charged to the debit or credit card of the cardholder and the merchant where the item was purchased. The cardholder is then asked to verify the transaction via SMS.

If the cardholder has not made the transaction, they are advised to call the BDO Customer Contact Center Hotline on (02) 8631-8000 or send a message to BDO Customer Care with a blue verified checkmark on Facebook Messenger.

5. Before traveling abroad, BDO reminds customers to check their available credit card limit and to inform the bank of how long they will be absent prior to their trip. This allows the bank to take note of their foreign transactions. However, for added protection, the bank can still send SMS alerts or call to verify purchases.

6. Cardholders have the option to lock and unlock their debit and credit cards with BDO Digital Banking to manage their transactions. This feature is useful if they have lost their cards. However, when suspicious transactions are detected, the bank will temporarily block a customer’s card.

To reactivate a locked card, customers can use one of these options: via the BDO official website (click on “Cards”, “Credit Cards”, “Card Services” then “Activation”) or via the BDO mobile app Digital Banking (Click “More”, “Security Manager”, then slide the toggle button on the card to be unlocked; wait for OTP and enter it to confirm). Cardholders can also text UB YES to 225678 or call the hotline on (02) 8702 6888.

BDO continues to advise its cardholders to always be vigilant and to protect their sensitive information to prevent them from falling victim to fraudulent acts.

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