Fraud Protection Centre
Keep all your financial details safe and secure. Here’s what you can do to help minimise the risk of fraud.
American Express never asks Cardmembers to supply personal information or card account details via email
- Most importantly…
- Never let anyone else use your credit card
- Immediately sign the back of the new card
- Always destroy your old, expired cards by cutting them up
- Let us know immediately on +94 11 441 4141+94 11 441 4141 if you’ve lost your Card, or think it may be stolen. We will then be able to cancel the Card and prevent fraudulent transactions.
- Never keep your PIN in your wallet, purse or diary, or record it in a way that others could understand
- Do not tell anyone else your PIN, password or security information
- Always try to cover your hand when entering your PIN at an ATM to prevent others seeing your number
When shopping online, enter the card details only on “secure” web pages. A web page is secure if there is a locked padlock in the lower right-hand corner of your browser or if the address starts with ‘https’, where the ‘s’ stands for secure.
- Keep copies of your receipts and compare them to your statement
- Contact American Express call center on +94 11 441 4141+94 11 441 4141 as soon as possible if an unrecognised charge or charges appear on one of your statements
- When no longer required, make sure you destroy or securely dispose any unwanted statements
- Checking your statements is easy to do with Cardmember Online Services - you can check your transactions daily.
Always consider whether the American Express would be likely to ask you for the kind of information being requested. If you are at all in doubt about the authenticity of the communication, contact the American Express call center on +94 11 441 4141+94 11 441 4141 and talk to a representative. If you receive an e-mail relating to American Express that you believe could be fraudulent, immediately forward it to email@example.com or firstname.lastname@example.org. Please do not include your card number in the e-mail. If you feel your American Express account information has been compromised, please contact American Express call center immediately.
You sit down in front of the computer to do some shopping on-line. You type in the internet address of a company’s website and then begin adding items to your shopping cart, once satisfied you check out to purchase your online items. You begin entering your personal / payment information, not knowing that the website criminals have actually accessed the company’s database and re-directed Internet traffic to a replica website. Identity thieves then use the acquired personal information to access your real accounts.
Using your Card online is safe and convenient as long as you follow a simple rule. When shopping online, only use “secure” web pages when you enter your Card details. A web page is secure if there is a locked padlock in the lower right-hand corner of your browser or if the address starts with ‘https’, where the ‘s’ stands for secure. Also, it is your responsibility to practice safe computing (e.g. encryption, virus scanning software, firewall, anti-spyware software and other similar safeguards).
You receive a phone call from someone who claims to be contacting you from your financial institution. They speak to you about your accounts and personal information in a way that suggests they must be legitimate. However, this person is actually an identity thief who has uncovered some information about you and is looking for more.
Try to minimize the personal information you give over the phone. When you provide personal information, inquire how the information is being used. If you are in any way doubting the identity of the representative on the phone, do not give out any personal information and contact the American Express call center on +94 11 441 4141+94 11 441 4141 immediately to confirm whether or not this was an authorized call.
As we value you and the security of your personal information, we would like to make you aware of how to be smart in detecting phishing and scams that take place through email/social media.
There is a range of simple and effective ways to help protect yourself from phishing and scams. Our tips will help you learn to avoid scams, spot phishing, stay safe online, and keep your account and personal details private and secure.
Phishing: When a fraudster tries to get your private information via an email or a website. These details would allow them to access your account and make purchases without you knowing.
Watch out for…
- Emails requiring you to click on a link and drive you to a webpage that looks like a legitimate institution.
- Alarming messages saying your bill is past due or your account will be locked or closed unless you take action.
- Unexpected messages branded with corporate headers that upon inspection have typos and misspellings.
- Website URLs without HTTPS:// or the closed lock symbol next to it.
How to protect yourself…
- Don't give out your PIN, password, log-in details or card details
- Don't give out a verification code if you weren't expecting it.
- Always use Multi Factor Authentication (MFA) wherever its possible.
- Always Logout of websites
- Keep your anti-virus software up to date and install a desk top firewall
Vishing: When a fraudster attempts to steal your private information via a phone call.
Watch out for…
- Someone calls you asking to confirm your Account details
- Someone calls you asking for your PIN, Card details and/or Card security code
- Someone calls you asking for a verification code that has just been sent to you by email or SMS
- They ask you to act urgently, or tell you that unless you do something right away, your Account may be suspended or closed
How to protect yourself…
- Never divulge your Account details or verification codes over the phone
- We will never ask for the 4-digit or 3-digit security code on your Card
- If something doesn't feel right, simply hang up, then call us on the number on the back of your Card
Smishing: When a fraudster tries to get your information via text.
Watch out for…
- A text message prompting you to click on a link. By clicking the link, fraudsters have an opportunity to install malware on your device.
- Suspicious messages about your purchases you did not make.
- Messages with account related news, like offer of gift cards.
Advance Fee Scam: The scammer contacts the victim seeking for an up-front fee for a gift, a prize or as a transit/clearance fee for a large package of goods or transfer of monies.
Investment and Romance Scams: Scammers contact the victim via email or social media, offering/showing either a remarkable investment/business opportunity or personal interest - romantic or otherwise towards the victim.
Kindly report any suspicious activity/scams immediately to email@example.com or our 24H contact centre +94 (0)11 4 414141 / +94 (0)11 4 711411
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American Express is a trademark of American Express. The Card is issued by Nations Trust Bank PLC pursuant to a license from American Express.