Immediate steps to take if you are scammed Here are some immediate steps to take if you’ve been scammed, regardless of the type of information you may have disclosed to the fraudster. Freeze your credit history A credit freeze blocks access to your credit report, which prevents others from accessing your credit report or obtaining new lines of credit in your name. To place a freeze on your credit history, you’ll need to contact each of the three major credit bureaus: Experian, TransUnion, and Equifax. Once you’ve placed a freeze on your credit, you can unfreeze it at any time, simply by completing the verification process to resolve the freeze. Locking your debit or credit card Locking your debit and credit cards is a great way to safeguard your finances if you’ve been scammed. You can lock your debit or credit card by logging into mobile banking. If you are not sure how to lock your card, contact your bank’s customer service team by visiting their official website. Change your password and enable 2FA If you believe an account may be at risk of theft due to fraudsters, it is important to update your password and enable two-factor authentication (2FA) immediately. We recommend using a password generator to create strong passwords that cannot be easily cracked. While enabling any type of 2FA method is better than no 2FA at all, we strongly recommend that you use an authenticator app and avoid receiving 2FA codes via text message or email. What to do if you accidentally pay a scammer If you have accidentally made a payment to a fraudster, you can do the following. Contact your card or credit card issuer If you have accidentally paid a fraudster online using your debit or credit card, contact your bank or credit card issuer immediately. Let them know that you have been duped and provide them with as many details of the fraud as possible. This will help them better guide you in order to protect your finances. Your bank or credit card issuer will cancel your current card and mail you a new one.
What should I do if I get scammed on my credit card?
Immediate steps to take if you are scammed
Here are some immediate steps to take if you’ve been scammed, regardless of the type of information you may have disclosed to the fraudster.
Freeze your credit history
A credit freeze blocks access to your credit report, which prevents others from accessing your credit report or obtaining new lines of credit in your name. To place a freeze on your credit history, you’ll need to contact each of the three major credit bureaus: Experian, TransUnion, and Equifax. Once you’ve placed a freeze on your credit, you can unfreeze it at any time, simply by completing the verification process to resolve the freeze.
Locking your debit or credit card
Locking your debit and credit cards is a great way to safeguard your finances if you’ve been scammed. You can lock your debit or credit card by logging into mobile banking. If you are not sure how to lock your card, contact your bank’s customer service team by visiting their official website.
Change your password and enable 2FA
If you believe an account may be at risk of theft due to fraudsters, it is important to update your password and enable two-factor authentication (2FA) immediately. We recommend using a password generator to create strong passwords that cannot be easily cracked. While enabling any type of 2FA method is better than no 2FA at all, we strongly recommend that you use an authenticator app and avoid receiving 2FA codes via text message or email.
What to do if you accidentally pay a scammer
If you have accidentally made a payment to a fraudster, you can do the following.
Contact your card or credit card issuer
If you have accidentally paid a fraudster online using your debit or credit card, contact your bank or credit card issuer immediately. Let them know that you have been duped and provide them with as many details of the fraud as possible. This will help them better guide you in order to protect your finances. Your bank or credit card issuer will cancel your current card and mail you a new one.
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