ICICI Bank
How do I protect my Credit Card against fraud or theft?
These tips are important and universal:
Sign your card- as soon as you receive it!
When you use your card at an ATM, enter your PIN in such a way that no one can easily memorize your keystrokes.
Don't leave your receipt behind at the ATM. Your PIN and account number from a discarded receipt could make you vulnerable to Credit Card fraud. Also, don't throw out your Credit Card statement, receipts or carbons without first shredding them!
Never give your Credit Card number over the telephone unless you initiated the call.
Even when you place the call to a legitimate merchant, never give your Card number out over a cordless phone. One common scam is when someone calls you "back" right after you place an order, claims to be from the merchant and tells you that there was a problem with your Card number -- would you mind giving it to them again? The best thing to do is to ask them to read you the number they have - and then change any incorrect numbers.
Ignore any Credit Card offer that requires you to spend money up-front or fails to disclose the identity of the Card issuer.
Make certain you get your Card back after you make a purchase (one habit to observe is to leave your wallet open in your hand until you have the Card back). Also, make sure that you personally rip up any voided or cancelled sales slips.
Always keep a list of your Credit Cards, Credit Card numbers and toll-free numbers in case your Card is stolen or lost.
Check your monthly statement to make certain all charges are your own, and immediately notify the Card issuer of any errors or unauthorized charges.
What should I do if my Card is lost or damaged?
Immediately inform our ICICI Bank 24-hour Customer Care Centre. They will immediately freeze payments on your current Card and a new Card will be delivered to you within 7 days.
What happens in case of a disputed transaction?
In case of a disputed Card transaction, kindly click here to download the Card member Dispute Form (CDF). After downloading the form, kindly fill up the same and post it to the address indicated in the CDF. We will revert to you at the earliest regarding the status of your transaction.
If you do not recognize a transaction, which appears on your credit card statement, we will give you more details if you ask us. In some cases, we may need you to give us confirmation or evidence that you have not authorized a transaction.
Change your Online Password often
• Leave suspicious sites
• Open e-mails only when you know the sender
• Do not send sensitive personal or financial information unless it is encrypted on a secure website
• Act quickly if you suspect fraud
CITI Bank
What you can do?
General Security
Some of the most effective things you can do to protect yourself are simple to do. Here are some steps you should take:
• Keep your Internet Password (IPIN) confidential.
• Use a secure password, which cannot be easily guessed. Do not use commonly used passwords like your vehicle registration number, birthdays, etc.
• Log off from Citibank Online after you complete your transactions every time. Do not just close your browser.
• Avoid accessing Citibank Online from a public/shared computer.
• Log in regularly to monitor your transactions.
• Never fill an e-mail with input fields that ask you for sensitive data such as User ID, Passwords, PINs, ATM and account number information.
• Look for the padlock symbol on the bottom bar of the browser to ensure that the site is running in secure mode before you enter sensitive information.
• Please bookmark/add to your favourites the following URL to access information and transact on your account with Citibank
www.citibank.com/india
Browser Security
Although Internet browsers have built-in security, small Internet files are downloaded to your computer whenever you are online. Some of the files may pose a security risk. Enhance your security by taking some of the following actions:
• Clear your browser's cache and history after each session so that your account information is removed, especially if you are using a shared computer.
• Use an Internet browser that supports 128-bit encryption.
• If you use Internet Explorer, configure the browser to not remember passwords (disable AutoComplete)
To disable the "AutoComplete" function
Launch your Internet Explorer and click on
"Tools">> "Internet Options">> "Content"
Under "Personal Information", click on "AutoComplete".
Uncheck "User names and passwords on forms" and click on
"Clear Passwords".
Click "OK"
Navigate Safely
Navigate the Internet safely to reduce the likelihood of online fraud. Avoid fraudulent websites:
• To ensure that you are going to an authentic Citibank site, type in the entire Citibank website address into your browser instead of clicking on the link directly. For this, you would have to type in "http://www.citibank.com/india" into the browser address field
• Beware of pop-up windows that ask for your account number and PIN (Personal Identification Number). Citibank Login pages are always on a web page and never in a pop-up window
• If you suspect a website is fraudulent, leave the site. Do not follow any of the instructions it may present to you
• Citibank will ask you to fill any account details only on either
www.citibank.com/india or any Citibank URL starting with
www.online.citibank.co.in
E-mail Security and Phishing
Online Identity Fraud also known as "Phishing" occurs when fraudsters pose as trusted organisations and send out thousands of fraudulent e-mails to random e-mail addresses.
How you can tell the difference between a genuine Citibank e-mail and fraudulent one?
Citigroup frequently communicates with its clients via e-mail. The majority of these communications are to provide you with information and updates about our services. Citibank will never send you an e-mail requesting confidential account information. Delete such e-mail even if they appear to have come from Citibank.
Fraudulent e-mails usually contain a link to a look-alike website to mislead you into entering sensitive financial information such as your account number and Internet Password (Internet Password (IPIN)). This will enable the fraudsters to capture your account information to access the your bank accounts. Citibank will ask you to fill any account details only on eitherwww.citibank.com/india or any Citibank URL starting with
www.online.citibank.co.in
If the link from an e-mail goes to a login page or a pop-up window, do not enter your account number and PIN. Always type in the entire website address
www.citibank.com/india to access Citibank Online.
Citibank will never send you urgent or time-sensitive e-mails that ask you to provide, update or confirm sensitive data like your Citibank Card number or Internet Password (IPIN), APIN, TPIN or expiration date, etc.
Check the sender e-mail address to verify that it is from a valid e-mail account. Never open e-mail attachments from sources that you cannot trust.
Always scan e-mail attachments for viruses before opening them. If you are unsure about the source of an attachment, delete it.
Be alert for scam e-mails. These are designed to trick you into downloading a virus or jumping to a fraudulent website and disclosing sensitive information.
What you should do in case of e-mail or phishing threats:
If you suspect you have been sent a fraudulent e-mail, contact your local CitiPhone Officer immediately or send a secure mail once you have signed on to Internet Banking.
If you believe someone is trying to commit fraud by pretending to be Citibank or another Citigroup business, please contact us immediately at
[email protected].