Education Center

Credit card security

While credit cards can free you from carrying cash, there are some risks associated with them. Use these tips to help protect your credit card accounts and personal information.

Keep your card information safe

  • Never write your personal identification number (PIN) on your cards.
  • Ensure the PIN you select is unique and not easily identifiable. If you have multiple cards, use a different PIN for each one.
  • Never give credit card information over the phone, unless you initiate the call.
  • When shopping online, only use sites that clearly indicate they're secure.
  • Contact your financial institution if your credit card statement doesn't arrive as expected. Verify your address to make sure someone didn't change it to get your statements.
  • When writing a check to pay your credit card bill, write the last four digits of your account number on the memo line.
  • Keep a list of your credit card numbers and the issuing companies' phone numbers in a secure place. If a card is lost or stolen, this information will speed up the process of deactivating it.

Keep your credit card physically secure

  • Only carry cards you use regularly.
  • Keep seldom-used cards in a safe place.
  • Don't lend your card to anyone.
  • Avoid leaving your card behind after using it by holding your wallet until the merchant hands your card back to you.
  • If you're expecting a new or reissued card, remember to watch for it in the mail. If you don't get it on time, contact the financial institution.
  • Activate and sign any new card as soon as you receive it.

Prevent fraud

  • Always enter a total and draw a line through unused spaces on a receipt.
  • Never sign a blank charge slip.
  • Keep your receipts until you can verify them with your account statement.
  • Consider registering for BB&T Alerts to receive notifications about your card activity. This can help you spot unauthorized charges sooner than if you wait for your monthly statement.

Get help

If your credit card details are compromised, call the card issuer immediately. BB&T clients should call BB&T Phone24 at 800-BANK-BBT (800-226-5228).

By law, once you report the loss or theft, you have no further liability for unauthorized charges. In any event, your maximum liability under federal law is $50.

Related topics

Credit reports

Your credit history may change frequently. By monitoring it on a regular basis, you can be more aware of any fraudulent activity.

Internet activity and electronic data protection

With more financial activity occurring online than ever before, it's essential to know how to reduce the risks to your data.

Online security measures

BB&T uses advanced Internet security technology to protect our clients' personal information when it's transmitted online.

Branch Banking and Trust Company, Member FDIC.