Protect your card - Credit & prepaid cards

• Sign the strip on the back of your card straight away.
• Don't let anyone else use your card.
• Protect your card from loss or theft.
• When you card expires, cut it in half through the magnetic strip.

• Don't let anyone else know your PIN – not even family, friends, bank staff or others in apparent authority.
• Don't let anyone else see your PIN when you enter it at an ATM, EFTPOS machine or other electronic terminal.
• Don't write or in any way indicate your PIN on your card, even if you try to disguise it.
• Memorise your PIN. Don't write it down anywhere.
• Choose a PIN that won't be easily identified. Don't use your birth date or phone number or PIN that has an easy combination, such as 1111 or 1234.
• Don't use a PIN that you use for other purposes (e.g. your mobile phone PIN).

If your card is lost or has been stolen or your PIN has been given to or used by someone else, let us know straight away. If you don't do this within a reasonable time, you may be responsible for any losses that happen as a result of your delay.

If your ANZ credit card is demagnetised, scratched or bent, it probably won't work.

To protect it:

• keep it away from magnetised objects such as your work access card or other credit cards
• store it where it won't rub against or scratch another object - a separate compartment in your wallet is usually fine
• don't bend it.

If your credit card stops working, please phone us on 0800 658 044 to order a replacement. A fee may apply.

Look for reputable Internet merchants or stores. If you're not sure about a site ask them for information about their company, products and services and about their returns and refund policy.

Make sure the websites of merchants you deal with are encrypted (you'll see a padlock at the bottom of your screen - this must be locked). This helps to ensure that the information you send over the Internet won't be intercepted.

Always read your credit card statements carefully and check for any suspicious transactions.

If you find any transactions that aren't yours, call us. If you do this within 14 days of the date on your statement and transaction is found to not be yours, you usually won't be responsible for the payment.

Remember, the name of the store on the statement may be different from the name under which the store trades (e.g. John Smith & Sons trading as Acme Trading).

Whenever you make an online purchase, print out a copy for your records. This will make it easier to check your purchases against your credit card statement.

When you're required to use a password to access a service, make sure it's not obvious (e.g. don't use your phone number, date of birth or children's names) and remember not to give your password to anyone.