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• steal your card and make purchases by forging your signature
• use details on the card to pay for goods or services over the phone or internet
• discover access codes for your account and make internet purchases
• obtain cash advances at an ATM if they have both card and access code
• use more sophisticated fraud to skim information off a card and create duplicates.

How to guard against fraud
Follow these steps. If you don’t your account institution may be able to hold you responsible for any losses.

1	Keep your card safe and secure.
2	Keep your PINs and passwords secret and strictly to yourself.
3	If you write down PINs and passwords, disguise them and keep the paper in a different place from your credit cards and somewhere where it isn’t likely to be stolen or lost at the same time as your credit card.
4	Choose PINs and passwords that are hard to guess. Avoid obvious giveaways such as your date of birth, part of your name, address or other things thieves could easily guess if they know you or steal your bag
5	Don’t store internet banking passwords in an undisguised form on your computer if you use your card for goods and services online, send your card details only through secure internet sites and be fussy about the businesses to whom you send your details.
6	Check your account statements promptly and carefully, and contact your institution immediately if there are transactions listed that you don’t understand or dispute. A contact number should appear on your account statement.
7	Tell your institution as soon as you realise that your card has been stolen or lost, or if you think there may have been unauthorised use of it.

Credit card transactions where you do not sign, for example ATM transactions, phone and internet transactions, come under the Electronic Funds Transfer Code. Our brochure Using electronic funds transfer: your rights tells you more about your rights and responsibilities.