Skip navigation links
Navy Federal Credit Union

Credit & Debit Card Fraud

Protect Your Personal Data

Credit and debit card fraud involves the unauthorized use of another person's card information to make purchases from their account or access their funds.

Card fraud occurs through a variety of channels, including online scams, data breaches, and card or mail theft. Know how to defend yourself and rest assured Navy Federal is continually monitoring for threats and suspicious activity. Luckily, there are a number of things you can do to protect yourself:

Be Careful with Your Card Information

  • Record your card and account numbers along with expiration dates in a safe place at home. Include the phone number for each card company so you can report fraud and minimize damage quickly.
  • Carry only the cards you need so there is less for a potential thief to take and fewer cards you'll have to freeze if your wallet is lost or stolen.
  • Shred documents containing personal information before throwing them away.
  • Never give your account number to anyone on the phone unless you initiated the call to a company you know to be reputable.

Use Your Card Wisely

  • Never sign a receipt leaving lines, such as the total, blank. The information on a blank receipt may be changed after you've already signed it. Drawing a line through any blank spaces may help.
  • Watch your card during a transaction and make sure you get it back.
  • Look for irregularities with an ATM before using it, especially with the card slot. If it looks odd, it may be a skimmer used to capture your credit card information. If you notice it after you've inserted your card, alert the card issuer.
  • Be cautious when using your cards online. Only enter information on websites you're 100 percent sure are legitimate or use a third-party site when you can.

What to Do in Case of Fraud

If your card is lost or stolen, or you suspect you're a victim of fraud or identity theft, call Navy Federal immediately on our 24-hour service line at 1-888-842-6328 so we can put an immediate hold on your account. Learn more about reporting fraud.