If you find yourself in a situation where you need to dispute an unauthorised transaction, we are here to help.
Before logging in to a web site using an account and password, ensure that the site is secure. Different Web browsers show this in different ways. For example, in Microsoft Internet Explorer you can check that ‘https://’ is displayed at the start of the web address. If your Web browser displays a padlock, this indicates a secure connection and that the issued digital certificate from the site is valid.
Similar to PINs, don’t record or store your card’s CVV. CVV numbers are used for online purchases and are printed on the back of Credit Cards. The only record should be the CVV printed on your card.
Some other tips to consider:
The following are official Australian Web sites with more information about fraud:
Fraud and identity theft come in many forms, so you need to be constantly vigilant about your financial account and personal information. In particular, we suggest that you:
To help protect yourself from card fraud, consider the following tips:
If you believe your card has been compromised, please contact us.
If you suspect someone has stolen your identify, please take the following steps:
If you believe your computer may have been compromised:
Any claims resulting from such activity will be assessed on the details of each individual incident.
The Heritage Fraud team monitors unusual transactions on our customer’s accounts. If you let us know that you will be overseas, we will be in a better position to determine if you are likely to be doing a transaction in a foreign country. Before leaving on your trip: