Safe Transactions: Protect Your Card Numbers and Prevent Fraud
Security
Your credit and debit cards make everyday purchases quick and convenient, but they’re also a common target for fraudsters looking to steal card numbers and make unauthorized purchases.
Card theft can happen in seconds through skimming devices, hacked websites, phishing messages, or unsecured public Wi-Fi. Once criminals capture your number, they can use it online or sell it on the dark web. The good news? A few smart habits, especially using a mobile wallet, can significantly reduce your risk.
Why mobile wallets are safer
One of the easiest ways to protect your card information is by paying with a mobile wallet like Apple Pay, Google Pay, or Samsung Pay. Instead of sharing your actual card number at checkout, mobile wallets use encryption and tokenization. That means:
- Your real card number is never shared with the merchant.
- A unique, one-time code is created for each transaction.
- Even if intercepted, scammers can’t reuse the code.
Plus, mobile wallets require Face ID, your fingerprint, or a passcode, which adds another layer of security if your phone is lost or stolen.
Card protection tips
Take note: These practices will help you minimize the chance of having your card number stolen:
- Use tap-to-pay or mobile wallet whenever possible.
- Avoid entering card numbers on unfamiliar websites.
- Never use public Wi-Fi to look at your accounts or conduct financial transactions.
- Watch for skimming devices on ATMs or gas pumps.
- Set up transaction alerts to monitor purchases in real time.
- Check statements regularly and quickly report anything suspicious.
- Keep your contact information updated so you receive fraud alerts fast.
Do you suspect fraud?
If you think your card has been compromised, immediately call Harborstone at 1-800-523-3641. We can freeze your card, issue a replacement, and help you dispute unauthorized charges. Acting fast helps limit losses and protect your account.
Digital payments are here to stay, and with tools like mobile wallets and smart monitoring, you can shop confidently knowing your information is better protected. Your security is our priority, and we’re always here to help.
