Card Security Tips

Introduction

We've all been there – standing at the checkout, card in hand, ready to pay. It's so easy, so automatic. Swipe, tap, done. But have you ever stopped to think about what could go wrong?

Card skimmers at ATMs, sneaky phishing emails, or even someone peeking over your shoulder while you enter your PIN – these things happen more often than we'd like to admit.

Your Debit and Credit Cards may make life convenient; but they also need a little protection.

That's why we've put together some simple tips to help you keep your money safe, whether you're grabbing cash from an ATM, picking up groceries, or scrolling through your favourite online store late at night. So, let’s get started!

What should I do when I receive my Debit/Credit Card?

Once your card is issued by QIB, make sure you follow these steps accordingly to safeguard it:

• Check if your name is spelled correctly on the card.
• Sign in the signature panel on the back of your ATM or Debit Card as soon as you receive it.
• Always keep your card in a safe place. Treat it with the same care as cash or cheques.
• Change your PIN immediately to a number of your choice. Try to memorise it but avoid writing it down.
• If your card is replaced, destroy the old card by cutting it into four pieces before discarding it.

What should I do if my card is lost or damaged?

If your card is lost or damaged, here’s what you can do next:

• If your Credit or Debit Card is lost, contact Customer Care immediately to report the incident. Your card will be blocked to prevent unauthorised transactions.
• Follow the instructions provided by Customer Care for card replacement or reissuance.

Things to remember when using an ATM

It seems like a quick stop, but a moment of awareness at the ATM can protect both your card and your cash. Learn more about what you should do to stay safe:

• Ensure no one is watching while you enter your PIN.
• Do not accept help from anyone at the ATM.
• Before leaving, count your cash and secure your card immediately.
• Never leave your ATM receipt behind. Shred it if you choose to discard it.

Things to remember when shopping with a Debit or Credit Card

Here are a few things you can do to make your shopping experience much safer and secure:

• Keep your card within sight during every transaction.
• Never allow a merchant to take your card into another room for payment.
• Always check that the card returned to you is yours.
• Collect your transaction slip after payment for future reference.
• Once verified against your card statement, shred old transaction slips.

What does QIB do to secure my card transactions?

With us, you will get some built-in security features designed to protect your account.

• QIB provides SMS alerts for all ATM, Debit Card, and Credit Card transactions.
• In case of loss or theft, your card is deactivated immediately once reported, and a new card is issued by your branch.
• Daily withdrawal limits are set on all ATMs, including QIB and non-QIB ATMs, to reduce the risk of fraud.

How can I keep my Credit Card secure?

Here are some everyday habits that can help reduce the risk of card misuse:

• Store your card in a place where you can easily notice if it is missing.
• Keep your bank’s Customer Care number easily accessible.
• Always verify that the card returned to you after a transaction is yours.
• Ensure the card is swiped in front of you and only once, unless the first attempt fails.
• Make sure your card number, expiry date, and CVV are not copied or written down.
• Never hand your card to anyone, even if they claim to represent the bank.
• When cancelling or replacing a card, cut it into four pieces across the magnetic strip before discarding it.

Tips to remember while making online transactions

Protect your card details when paying online by following these tips:

• Ensure the merchant website is secure by checking for a lock icon and “https” in the address bar.
• Qatar Islamic Bank will never request your banking or card details by email or phone. Do not respond to such requests.
• Look for security labels such as “Verified by Visa” or “Trusted by VeriSign” when making online payments.
• Always log out of your online banking session and close the browser after completing a transaction.

How can I report an incident or issue?

Contact 24-hour Customer Care at 4444-8444 for the following:

• Reporting a lost or stolen card.
• Requesting a card replacement.
• Reporting unauthorised or suspicious transactions.

Conclusion

Look, no one wants to think about card fraud when they're just trying to buy their morning coffee or shop for a birthday gift. But here's the good news: a little awareness goes a long way. Cover your PIN, check that ATM before you use it, and trust your gut when something feels off online.

These small habits can save you from big headaches down the road. And remember, you're not alone in this – QIB has your back. If something ever feels wrong or you need help, we're just a call away.

Stay safe out there.