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How to Prevent Credit Card Fraud

How to Prevent Credit Card Fraud

As criminals get more skilled at carrying out different types of credit card fraud, it isn’t always possible to prevent credit or debit card fraud from happening. But with these simple steps from Luma, you can improve your Luma card’s security.


  • Sign the back of your Luma and other cards as soon as you get them.
  • Note your account numbers, when the account expires, and the contact details (phone number and address) of your provider somewhere safe, where only you can access the information.
  • Call your card issuer if you plan to travel overseas.
  • Try not to let your card out of sight during transactions. A common scam involves removing the card from a customer’s view, taking note of the number, and making false charges with the card.
  • Keep receipts to compare with your monthly statements
  • Check your statement promptly. If you see any charges or transactions you don’t understand or recognise, contact your card provider straight away.
  • If you’re changing address, let your credit card provider know as soon as possible. Mail theft has become a common way for criminals to obtain valuable information.
  • Use trusted websites to make trip deposits, buy things, and communicate sensitive information. Secure websites protect your information better than the post, telephone, or email.
  • Report any suspicious activity to your credit card issuer right away.


  • Reveal your PIN to anyone—not even to your card issuer. (They won’t ask for it, so if someone does, it’s a sign they don’t work for your card provider.)
  • Leave your cards or receipts where others might find them.
  • Let anyone borrow your Luma card or other cards.
  • Write personal details, like your account number, on a postcard or the outside of an envelope.
  • Send your card information via email when doing things like booking hotels. Email is not a secure channel for sensitive information and is easily forwarded.
  • Tell anyone your account number over the phone unless you’ve made the call and you know it’s a reputable company.

By following these simple dos and don’ts, you’ll help ensure that your Luma card, other credit cards, and debit cards stay secure.