Adequate protection of your card and PIN will minimise the risk of theft and fraud. Here are some simple ways to protect your account from theft or fraud.
|Card and PIN security|
Your card and your personal identification number (PIN) allow you to access your account electronically. It's important to protect the security of your card and PIN at all times.
Protecting your PIN
Notify us immediately if you become aware that:
To report lost or stolen cards or divulged PINs call us on 1800 033 844 (international callers dial +61 3 9683 7043) 24 hours a day, seven days a week.
For disputed or suspected unauthorised transactions which appear on your account call 13 22 73 to speak to a Customer Service Consultant.
Complete and sign the Commercial Cards Disputed Transaction form (PDF 196kB) and mail it to:
Locked Bag 10
Or fax the form to 1800 283 515.
|Reducing credit card fraud|
You can minimise the possibility of your card being used fraudulently by taking a few simple precautions.
For many Australian businesses, the Internet is becoming the preferred way to buy. Some businesses are concerned about providing credit card information over the Internet. But if you follow a couple of simple rules when purchasing online, it can be as safe as making any other purchase with your credit card.
Who are they?
Look for reputable Internet merchants or stores. Anyone can establish an Internet site, so if you're unsure, request more information from them about their company, products and services. Also, ask them what their policy is about returning any merchandise that you are unsatisfied with and refunding of your money.
Is it safe?
Make sure that any merchant you deal with has encryption on their site (you will see a padlock at the bottom of your screen). This makes it difficult for another person to intercept information you send over the Internet.
Check your statements
Always read your credit card statements carefully and check for any suspicious transactions. If you find any transactions that are not yours, call ANZ on 1800 032 481. If you contact ANZ within 14 days from the date on your statement, and the transaction is found not to be yours, then generally you will not be held liable for the payment. Remember, sometimes the name of the store that appears on the statement may be different from the name under which the store trades (e.g. John Smith & Sons trading as Acme Trading).
Keep it on file
Whenever you make a purchase online, print out a copy for your records. This will make it much easier to check your credit card statement and ensure that all the purchases shown are valid.
Keep your password a secret
When you are required to use a password to access a service, make sure that your password is disguised. Your telephone number, date of birth or your children's names are known to other people and are not considered by ANZ as a reasonable attempt to secure your password. Do not disclose your password to anyone.
|Other tips to protect your card|
If your credit card is demagnetised, scratched or bent, it probably won't work. To protect your card:
Need more information?
Call 1800 636 359 and ask our qualified consultants.
You need Adobe Reader to view PDF files. You can download Adobe Reader free of charge.