Credit Card Safety Tips

Be Protected from Credit Card Fraud
Here are few tips to help you protect your account while you enjoy a safe banking experience.
Do not surrender your credit card to anyone.

Never disclose your credit card details to anybody soliciting information via email, SMS, website or over the phone unless dealing with a verified and trusted personnel.


Store and/or dispose of your personal and bank account information properly especially your credit card details.
Shred documents that contain any personal and financial information before disposal.


A One-Time-Pin (OTP) is sent to your registered mobile number every time you make an online purchase at participating secured merchants. Ensure that your bank’s record of your mobile number and email address are updated.
For details, click here.


Do not respond to emails requesting for your credit card details or other personal information.
Never click emails links which directs you to a different website for verification of your personal and credit card details.


Always keep your Personal Identification Number secret. Do not write it down or disclose it to anyone.


Be Protected from Credit Card Fraud
Here are few tips to help you protect your account while you enjoy a safe banking experience.


Know your credit card’s expiration date.

Immediately report non- receipt or intercepted delivery of your renewal credit card or Monthly Billing Statement.


Keep your credit card in sight during the processing of your transaction. Your EMV chip card should be dipped into the POS terminal instead of being swiped.

Ensure that your credit card is returned to you after each purchase/transaction.


Periodically check all your credit cards to ensure that nothing is missing. Immediately report lost or stolen credit cards to relieve you from any financial liability resulting from unauthorized use.
Sign your credit card instantly upon receipt. Unsigned cards are vulnerable to credit card fraud.


Destroy your old card by punching a series of holes directly on the magnetic stripe or chip card.


Be Protected from Credit Card Fraud
Here are few tips to help you protect your account while you enjoy a safe banking experience.


Monitor and review your charges upon receipt of your monthly Statement of Account (SOA).
Immediately report any discrepancies or unauthorized transaction/s.


Ensure that your contact details are up to date.
Expect to receive a service call, text message or letter from BDO to validate transactions and secure your account from unauthorized use.


What do scammers look for in your social media page?

Cases of Identity Theft have dramatically increased nowadays as fraudsters use social media as a hunting ground of personal information.

Identity Theft takes place when crooks collect personal details of individuals, without permission, and use it to:

  • Apply for a credit card and/ or bank loans
  • Gain access to bank account details
  • Create bogus social media account (poser)

Social media platforms hold a ton of confidential information. And this is why identity thieves are always lurking online, keenly searching for personal information such as birthday (month, day and year), mobile number, email address, home town, current geographic location, school you went to, company you are affiliated with, names of family members connected to your account, etc., which are publicly shared.

Protect yourself from Identity Theft. Configure the PRIVACY SETTINGS of your social media accounts properly.

  1. Limit who can look you up through your contact information and keep your social media accounts off search engines – The contact information (mobile number, email address, etc.) you have submitted upon account sign up can be used by anyone to search for your account and browse through your profile. Hide your account from individuals who are not in your network and restrict public access to your profile.
  2. Control and select the audience who can view your posts – Keep the pictures of your family or post about your current location private and avoid sharing these information publicly or outside your network. Configure the accessibility and privacy restrictions of your account accordingly based on the social media platform’s settings.
  3. Avoid publishing personal information – The availability of your personal information (birthday, location, etc.) online is an opportunity for identity thieves to steal your identity. If needed, share personal details only in trusted and legitimate websites.


Smartphones are not exempt from MALWARE infection. New mobile apps, disguised as Flash player or battery management apps, have been maliciously created to intercept SMS, monitor calls, and steal information from your mobile phone.

Ensure that your Smartphone is not compromised by following these simple tips:

Do not download mobile apps from an unauthorized source.

Be vigilant when accessing your Mobile Banking account or making credit card transactions using public WiFi.

Do not leave your smartphone unattended. Set a password or screen lock to prevent unauthorized use.




Regularly monitor your Statement of Account (SOA)
for any unrecognized transactions

Unrecognized transactions are charges billed to your credit card that you did not authorize or are considered to be invalid. Such transactions must immediately be reported to the BDO Customer Contact Center and a dispute case must be filed.

How do I file a dispute case?

Only upon the receipt of Dispute Form shall the investigations begin.
A temporary credit will also be applied to your credit card account.

The filing of a dispute case must be made within sixty (60) days from the transaction’s posting date. Otherwise, it will no longer be accommodated.


For online purchases of goods or services over the internet, the One-Time PIN (OTP) sent via mobile protects you from online fraud.

Ignore calls from individuals pretending to be bank officers asking you to disclose the OTP. Fraudsters may trick you into disclosing this information in exchange for freebies, upgrades and other promotional offers.

NEVER PROVIDE YOUR OTP or any credit/debit card details to anyone. BDO will never ask for your account information in this manner.

Immediately call the BDO Customer Contact Center at 631-8000 or 1-800-10-6318000 (Domestic Toll-Free) if you have disclosed any account or personal information to an unauthorized and/or unknown individual.