How To Ensure Safe & Secure Use Of Visa Debit Cards?

Of course, we all are familiar with debit cards. They have not only made all types of transactions possible online but also eliminate the need of carrying cash with us all the time. From a small value of Rs. 1 to multiples in thousands, now you can pay for goods & services in a few seconds without struggling in the ATM line for withdrawing cash. Almost every bank offers debit card services tied up with a special payment system like Visa, Master, Rupay, or American Express, etc. But have you heard about visa debit cards? Though both visa debit and credit cards are becoming increasingly popular, visa debit cards are enjoying frequent use across the world by maximum users. What are they and how to use them safely? 

If you are also looking for the answer, this blog can help you. Keep reading to know:

What Are Visa Debit Cards?

Just like regular debit cards, visa debit cards allow an individual to pay for the goods & services directly from their account. They all are issued by a bank or financial institutions to enable a person to use their available funds in the account. So, what is the difference? The only difference is that these Corporate Visa Debit Cards are accepted worldwide and widely being used in more than 200 countries across the world. You can use it to pay retailers, or various regular banking transactions, or to withdraw cash from an ATM. 

When you make a transaction, the money is debited from your account linked to your debit card. In simple words, it is a payment card that has a Visa symbol on it and offers quick, safe, secure, and convenient access to money in person, online, and overseas. 

Now the question is, how can we ensure safe & secure use of visa debit cards and protect ourselves from fraud? Here are some security precautions that you need to keep in mind every time you purchase a visa debit card. Let’s have a look:

1. Protect Your PIN Number - This is the very first and foremost precautionary step needed to be followed by every Visa debit cardholder before, while, and after using them for online transactions. The Personal Identification Number i.e. PIN needs to be kept safe and confidential ie. it should not be shared with anybody or written down anywhere exposable to other eyes. 

2. Check Your Bank Statement Regularly - It is very important to check your bank statements at least once or twice a week to get assured protection from fraudulent activities. It will help you keep track of all your financial & banking activities as well as enable you to figure out any mismatch you are aware of so that you could report it to the bank officials immediately and escape from fraud online.

3. Report As Your Find It - During paying or receiving payment overseas, if you find any suspicious or unauthorized transactions from your debit card, you need to report it as soon as possible to your respective bank. In case your visa debit card has not been stolen or misplaced but there are still some suspicious activities on your account, the bank professionals will help you find the bug and fix it. 

4. Avoid Using Public Wireless Access - While executing any online translation through your visa debit card, you need to make sure that you are using a password-protected wireless signal. Whether it is checking your account balance, paying bills, and purchasing, or anything else. It will make your transactions safe, secure, and less prone to hack by professional hackers capturing your account’s confidential information and password details.

5. Watch For Lock Sign - When you are shopping online from a website, you need to pay attention to the security & authenticity of a website. To check it, go for the lock sign in your browser especially at the time of entering your card number & other details. Additionally, while making any online transactions, you should also lookout for the connection to change from “HTTP” to “HTTPS” especially while making payment.

Bottom Line

Though online corporate visa debit has enabled us to make online transactions almost anywhere in the world, they have also brought the threat of online risks and frauds. To avoid them, keep these safety precautions in mind. 

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Created on Apr 20th 2021 08:34. Viewed 332 times.

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