Berbagai cerita penipuan menggunakan kartu kredit membuat banyak orang takut menggunakan kartu kredit. Penipuan dengan alat pembayaran ini cukup sering terjadi, karena kartu ini merupakan salah satu alat pembayaran yang cukup mudah. Takut mengalami penipuan kartu kredit? Berikut Billie berikan 6 cara menjaga kartu kreditmu tetap aman!
Waspada Saat Bertransaksi
Saat melakukan transaksi, pastikan kamu mengikuti setiap proses transaksinya dengan teliti. Jangan biarkan staf kasir membawa kartu kredit kamu tanpa perhatianmu. Demi menjaga keamanan kartu kreditmu, jangan percayakan kartu kreditmu berada di orang lain tanpa sepengetahuanmu. Cek setiap detil proses transaksinya, jika ada yang janggal jangan ragu untuk menanyakan kepada kasir atau toko untuk mencegah penipuan.
Baca juga: Dana Pendidikan Semakin Mahal? Begini Cara Siasatinya!
Jangan Mudah Membagi Data Kartu Kredit
Belanja menggunakan kartu kredit cukup mudah, ditambah banyak toko online yang sekarang ini menerima pembayaran via kartu kredit. Jika kamu sering belanja menggunakan kartu ini, kamu harus berhati-hati saat berbelanja, tertutama belanja online menggunakan alat pembayaran ini. Beberapa toko online biasanya meminta kamu untuk memasukkan data kartu kreditmu untuk bisa melakukan pembayaran dengan menggunakan kartu kreditmu. Sebelum memberikan data-data tersebut, kamu harus yakin bahwa toko online itu bukan toko abal-abal karena dengan memiliki data kartu kreditmu, mereka bisa dengan mudah menggunakannya untuk transaksi lain. Perhatikan reputasi toko sebelum melakukan transaksi.
Teliti Sebelum Bayar Tagihan
Setiap bulan, kamu akan mendapatkan tagihan kartu kredit kamu berdasarkan semua transaksi yang dilakukan selama sebulan. Terkadang banyak orang yang tidak mau repot mengecek tagihan sehingga mereka langsung saja membayar tanpa melihat detail tagihan terlebih dahulu. Kebiasaan ini bisa merugikan kamu lho. Kamu harus teliti dulu sebelum membayar tagihan dan segera laporkan ke bank jika ada transaksi yang mencurigakan. Selain itu, simpanlah setiap bukti transaksi yang sudah kamu lakukan, supaya bisa dibandingkan dengan jumlah tagihan. Menyimpan bukti transaksi memang merepotkan, tapi kamu harus rela melakukannya untuk menghindari penipuan. Lakukan ini dengan teliti dan kamu bisa terhindar dari penipuan.
Tanda Tangani Kartu Kredit
Setiap kartu kredit memiliki bagian belakang berwarna putih yang sebenarnya harus ditanda tangani untuk menjaga keamanan kartu. Namun sayangnya masih banyak orang yang tidak menandatangani kartu kredit mereka. Banyak orang yang menganggap hal itu tidak penting karena tidak mengerti kegunaannya. Padahal, kartu kredit baru sah menjadi milik seseorang apabila sudah ada tanda tangan dibagian belakangnya. Oleh karena itu, jika kamu tidak ingin mengalami penipuan, sebaiknya segera tanda tangani kartu kreditmu.
Gunting Kartu Yang Tidak Terpakai
Setiap kartu kredit memiliki masa berlaku. Jika sudah melewati masa berlaku, maka kartu itu sudah tidak bisa digunakan. Untuk mencegah penyalahgunaan, sebaiknya kamu menggunting kartu atau memusnahkan kartu yang sudah habis masa berlakunya. Cara ini adalah yang paling efektif untuk mencegah agar kartu tidak jatuh ke tangan yang salah dan dimanfaatkan oleh oknum lain yang akan merugikan kamu. Karena beberapa toko tidak menyadari masa berlaku kartu dan tetap memperbolehkan kamu menggunakan kartu yang sudah tidak berlaku.
Baca juga: 5 Kesalahan Pengelolaan Keuangan Orang Indonesia
Gunakan Nomor PIN
Sekarang, Bank Indonesia sudah memberikan fasilitas lain untuk menambah keamanan kartu kreditmu, yaitu dengan menggunakan nomor pin. Sebelumnya, dalam melakukan transaksi, kamu hanya perlu menandatangani bukti transaksi saja. Sekarang kamu bisa menggunakan PIN untuk melakukannya. Dengan menggunakan PIN pada kartu kreditmu, sebenarnya kamu jadi lebih ringkas dalam proses transaksi dan juga pastinya jadi lebih aman.
Dengan mengikuti 6 cara di atas, kamu bisa menjaga kartu kreditmu tetap aman, tapi saat memiliki kartu kredit, ada hal lain yang juga harus kamu jaga. Apa itu? Kamu harus menjaga keuanganmu. Kemudahan yang diberikan oleh kartu kreditmu bisa membuat kamu lupa diri dan melupakan kemampuan finansialmu sehingga akhirnya jadi terpuruk. Jadi ingat, kartu kredit memang harus aman, tapi jangan lupakan keamanan keuangan kamu ya.
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