Credit card fraud occurs when card details are used without the cardholder’s permission. Details may be stolen through phishing, unsafe websites, malware, skimming, data breaches, or social engineering.

• Transactions you do not recognise.
• Unexpected verification messages or replacement-card notices.
• Requests for the card number, expiry date, security code, PIN, or one-time code.

• Keep card details and one-time codes confidential.
• Use secure websites and avoid entering details after following an unsolicited link.
• Enable transaction alerts, review statements, and set sensible card limits.
• Contact your card provider immediately to block or cancel a card when fraud is suspected.