help bill be credit card smart!

Bill just got his first Sunova Mastercard® and is ready to go shopping! Before he starts using his card, he needs a bit of help with credit card safety and security. Let Bill know what you think he should do in the following situations.  

To set up his card, Bill needs to select a PIN. The thing is, Bill can be forgetful sometimes, so he wants a pin he’ll remember. Should he:

1. Use his birthdate as his PIN.
2. Pick a number and practice memorizing it.
3. Tell his sister what his is PIN in case he forgets it.

Keep your PIN private

To keep your money — and credit history — safe, it's best not to ever share your PIN or write it down. You (and Bill!) should select a PIN you can remember, but not one that is easy to guess — like a birthdate, name, or phone number. In some cases, sharing your PIN can void fraud protection from your credit card provider. 

Bill is out at the library visiting with students, when he remembers that he wanted to order the newest dog toy for his sister Lily’s birthday (how nice!). He asks to use a computer and is about to enter his new credit card number. Is it safe for Bill to enter his credit card info on a public computer? What do you think?

1. Yea, it’s totally okay.
2. He should check if the computer is on a secure network, if it is, then go ahead.
3. It’s best if Bill waits until he’s at home or on a trusted network.

Shop securely

You never know if a fraudster has tampered with a public computer. It's not a good idea for Bill  (or you) to shop online from a public computer. It's best to only do online shopping from your personal computer or smartphone (on a trusted Wi-Fi network). Trust us, you don’t need whatever you’re shopping for that badly.

Bill opted out of mailed statements since he doesn’t need to check them anyways, right?

1. Bill should check is statements monthly to see if there are any suspicious transactions.
2. Statements are just clutter. Bill doesn't need to check them.
3. Bill should be checking to see how much he needs to pay each month.

Check your statements

While many credit cards have 24/7 monitoring programs designed to detect fraud, it’s also a smart idea to regularly check your statements to make sure everything looks normal. If you notice anything that looks out of the ordinary, call the number on the back of your card to report the activity.  And unless you keep track of your spending, your statement will tell you how much you owe each month. 

Lily wants to borrow Bill’s credit card to buy a gift online. What should he do?

1. Send her a picture of the card number and share the PIN with her so she can use it anytime.
2. Enter the info himself to keep the details to himself.
3. Tell Lily to apply for her own Sunova Mastercard.

Don’t share your credit card details

Never send your credit card information over email, text, or social media platforms. If your social media or email accounts were ever to be hacked or you lose your phone, your credit card information could be free for the taking. If you wish to share a credit card account with someone, add them to your account as an authorized user with their own card and PIN. 

All 4 questions completed!


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