Using Credit cards Tips

Credit card: good reflexes

The use of a credit card makes your life all over the world. To make your transactions with complete peace of mind, keep in mind these simple tips 8.

* Sign the back of your card in the box provided.
* Please note your card number and store it in a safe place. You will be asked in case of theft or loss during the procedure for opposition.
* Never share your PIN. Learn it by heart, do not write it and, above all, do not store your card! Nobody is entitled to ask you: neither your relatives nor merchants, nor your bank or the police or insurance, nor the center of opposition.
* Enter your code always away from prying eyes.
* Check that you have systematically collected and stored your card after a transaction.
* Keep your invoice to verify your account.
* Store any proof of purchase by mail, including the reference purchase.
* If you buy online at a site in a foreign language, make sure you fully understand the conditions of purchase and delivery. HSBC Credit Card have alot of other bonus program too.


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Shopping on the Internet safely

Today, electronic commerce has become a convenient and safe to purchase from a distance, provided you follow some precautions. To buy peace of mind, always check the presence of certain information on the site where you make your purchases, and be careful of the information you provide. Small manual:

The information provided by the merchant

Verify that you are browsing a secure area: the trader you must confirm this in a dialog box before the start of any procurement process. On some sites, http:// … turns into https ://… (with an S for “Secure”). Sometimes, a closed padlock appears in the browser window.

Do not engage until you have obtained all the information you want in a clear and precise. In doubt, ask your questions to the webmaster. Beware when you order on a foreign language website: Make sure you fully understand the information on offer that interests you. Precision for sites in English: When you click a button SUBSCRIPTION, you take out a subscription. So you allow the merchant to debit your account periodically for a predetermined amount in euros or in foreign currency.

Locate the guarantees offered by the merchant: his reputation, the security of a known bank or a network of international cards like HSBC are a sign of confidence.

Your bank information

Never give your PIN to four digits. You must send the 16 digits of your card and its expiration date. The merchant can ask for your identity and your personal information for delivery of your order. It may also offer to receive offers as a newsletter, catalog, etc..

Do not give your card number for making a purchase. Refuse to give it to identify you. A card number does not know the name and address of the holder.

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