What is Fraud Monitoring?
Safeguarding your finances is important to us, 因此,我们很荣幸为您的会员提供无与伦比的信用卡安全保障.
我们采用全天候监控系统,旨在对您的借记卡和信用卡模式进行评分和分析,以确定欺诈活动. 经验丰富的欺诈分析师会注意任何可疑的信用卡活动,如果他们发现你的卡上有潜在的欺诈行为,他们会立即与你联系.
Fraud monitoring FAQs
Q: What is fraud monitoring?
答:这是一项我们用来监控基于签名的借记卡和信用卡交易的欺诈活动的服务.
Q: Do I have to enroll to have my card monitored?
A: No. 我们监控科罗拉多信用社所有借记卡和信用卡的欺诈行为. No enrollment is required.
Q: Is there a cost for this service?
A: This is a free service automatically provided to all of our members.
Q: What types of transactions are considered suspicious or fraudulent?
A:该服务监视和分析事务,并对事务进行评级. Based on your normal spending patterns, 如果在你的借记卡或信用卡上检测到可疑交易, we contact you to verify the transaction. 在某些情况下,如果欺诈率很高,交易在购买时被拒绝.
Q: How will I be notified?
A:如果怀疑有欺诈行为,我们有两种联系方式.
1. 如果我们有您的手机号码,如果我们怀疑欺诈,我们会立即给您发短信. 然后,您将有机会确认或拒绝该事务. If you reject the transaction, or do not respond, 您将收到一个电话来验证交易,以保护您的帐户免受欺诈.
2. If we do not have a mobile phone listed for you, we will call the phone number on the account to verify the transaction. If there’s no answer, 一名代表留下信息,要求回电核实可疑交易.
Q: How do we verify we are speaking with the card owner?
A: You’ll be asked a question to verify your identity. 我们可能会要求您验证您的社会安全号码的最后四位数字. 我们还会比较你拨打的电话号码,看它是否与存档的电话号码相匹配.
Q: Can I reply back to the Credit Union instead of the fraud line?
答:为了避免信用卡使用延误或确认潜在的欺诈,请联系欺诈热线. It is available 24 hours a day, 一周七天,可以快速验证交易,并采取适当的行动,如果欺诈发生在您的帐户.
问:由于这项服务是自动的,我还需要自己监控我的账户吗?
A: Yes. 我们鼓励您监控您的账户,以发现我们可能无法发现的可疑或未经授权的费用.