The main mechanism that account holders have to access the money that they have stored in the bank is through a Debit. This instrument helps them make cash withdrawals so that they can have liquidity so they can make their purchases and corresponding payments, although they can still use their plastic What payment method to consume directly.
Using your debit card may seem like a very comfortable and safe payment method, compared to cash, but there are still certain risks that you can prevent. Here are some security measures to avoid any bad surprise.
Actions such as having little money available in the bank account, using the mobile banking application with notifications of your movements enabled, adding a difficult-to-guess PIN, watching the terminal when paying, among other practices that can save your money, can make a big difference. money and protect yourself.
10 security tips when using a debit card
Here are some recommendations for you to take security measures when using your debit card.
1. Have little money available
Do not leave all your financial resources exposed in case your plastic is stolen or lost. It is convenient to place the capital in a financial instrument that generates returns and leave only what you normally use on a daily basis.
2. Activate notifications from your mobile banking
Keep your mobile banking notifications enabled to find out when an operation is registered, apart from the fact that you can deactivate your plastic when you know that you are not going to use it, although it is activated immediately.
3. Use your bank’s ATM
To avoid high commissions charged by other companies, you can use your bank’s ATM to make cash withdrawals, unless it is an emergency.
4. Always watch your debit card
Never lose sight of your debit card when paying in a store, restaurant or any branch where you use the terminal to enhance the operation that is done in front of you, especially do not let it pass into other hands or let them observe your PIN when typing it.
5. Use a PIN that is hard to guess and easy for you to remember
Do not use dates such as your birthday, or addresses or telephone numbers, it is better to establish a password that is secure, that you remember easily, but that is difficult for others to guess. It is also not good to have the number written in your wallet, cell phone or on the same card.
6. Do not double your payments
Do not let your plastic pass through the terminal more than once, unless the payment has been rejected or the signal has dropped. Always check that you do not receive the duplicate payment and wait for them to give you a receipt.
7. Save the voucher
If they overcharged you, it is recorded in the voucher and you can demand the return of the money, it is a proof that serves to demand it.
8. Take advantage of insurance
Your cards can have insurance policies, try to enjoy the benefits that you are paying for, apart from the fact that they provide protection against different eventualities.
9. If it is stolen, report it immediately to your bank
Always have the bank’s number handy to contact in case your card is lost or stolen, so they can disable it and safeguard the funds while the problem is resolved.
10. Use virtual cards
If you want to buy online, you can choose instruments such as PayPal or Mercado Pago, since it guarantees greater security to enjoy the experience without incident.
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