Page 10 December 24, 2015 TORRANCE TRIBUNE What You Can Do To Protect Yourself From Card Fraud In 2016 • Review your card agreement to be sure you understand what anti-fraud measures the issuer takes. For example, Chase uses specialized monitoring tools to keep an eye on your account 24/7. • If your card company or bank offers it, sign up for account alerts to monitor your finances and keep your accounts safe. Most issuers will allow you to choose to be alerted to any unusual account activity via text, email or phone call. • Review your statements every month to ensure all charges are accurate and authorized by you. If you spot a charge you don’t Finance (BPT) - You may have already received your new credit or debit card equipped with a microchip. If you haven’t received your new chip card, you most likely will by the time your card expires. The EMV chip technology is intended to help reduce debit and credit card fraud, and thanks to a collaboration between America’s payment networks and card-issuers, you’ll see many more merchants using EMVequipped card readers over the coming months. Chip-enabled cards store the same basic information that’s already in the magnetic strip on the back of your card, such as the card number and expiration date. They add a layer of fraud protection by producing a single-use code to validate every transaction. While EMV technology is intended to reduce card fraud, it’s still important to be aware of how fraud happens, what you can do to prevent it and what your card-issuer does to help protect you. “Fraud prevention is a partnership between cardholders and the bank,” said Pam Codispoti, president of Chase Consumer Branded Cards. “By working together, we can help customers keep their accounts safer and more secure.” Chase offers some tips to help you stay alert to fraud while you holiday shop and in the New Year: • Keep your contact information, including phone number and email address, up to date so the card issuer can contact you quickly if they detect signs of fraud on your account. recognize, contact the card issuer or bank immediately. With the shift to greater use of EMV technology, if fraud occurs on your account and you have a chip-enabled card, the merchant will be responsible for the costs in most situations. Also, banks like Chase offer zero liability protection - you won’t be held responsible for unauthorized charges made with your card or account information. • Monitor your credit reports. Although you’re entitled to a free report from all three major credit bureaus once a year, checking your report more often can help catch signs of fraud earlier. • Opt for secure paperless billing. Theft of paper documents, such as from your mailbox or trash, is still a top way fraudsters obtain information. By going paperless, you eliminate an opportunity for someone to steal your statement and get your account information. • Switch to secure online or mobile payments to help protect your account information. Online payments add layers of security to your transaction and can help ensure you never miss a payment. • When using your card in a store, never allow the card out of your sight. If you have to enter a PIN number to use the card, be aware of who’s standing around you and shield the keypad from view when you type in your PIN. To learn more about how Chase partners with customers to protect against fraud, visit www.chase.com/fraud-security. • C e r t i f i e d a n d L i c e n s e d P r o f e s s i o n a l s KEEP IT LOCAL NEW LOWER RATES! 26 weeks (6 months) is only $400 52 weeks (1 year) is only $750 If you have any questions call us at 310-322-1830. NEW LOWER RATES! 26 weeks (6 months) is only $400 52 weeks (1 year) is only $750 If you have any questions call us at 310-322-1830. HOW TO PAY: CHECKS, CASH OR CREDIT CARDS. Include Visa or M/C number along with billing address, security code, expiration date, email address and phone number. PAYMENT MUST BE RECEIVED BEFORE AD IS PUBLISHED! HOW TO PAY: CHECKS, CASH OR CREDIT CARDS. Include Visa or M/C number along with billing address, security code, expiration date, email address and phone number. PAYMENT MUST BE RECEIVED BEFORE AD IS PUBLISHED! The deadline for Business and Professional (B&P) Ad copy and payment is at Noon on Tuesday. We reserve the right to reject, edit, and determine proper classification of B&P ads. Herald Publications does not guarantee that the advertiser’s claims are true nor does it take responsibility for those claims. PLEASE NOTE: NEW EMAIL ADDRESS E-mail ad copy to: class@heraldpublications.com COMMUNITIES COUNT YOUR AD HERE YOUR AD HERE Email to reserve your space class@heraldpublications.com YOUR AD HERE YOUR AD HERE Email to reserve your space class@heraldpublications.com handyman handyman BILL’S BILL’S HOME & APARTMENT HOME & APARTMENT MAINTENANCE MAINTENANCE CONTRACTOR QUALITY at Handyman Prices. We cover everything from A-Z. CONTRACTOR QUALITY at Handyman Prices. We cover everything from A-Z. 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We reserve the right to reject, edit, and determine proper classification of B&P ads. Herald Publications does not guarantee that the advertiser’s claims are true nor does it take responsibility for those claims. PLEASE NOTE: NEW EMAIL ADDRESS E-mail ad copy to: class@heraldpublications.com COMMUNITIES COUNT flooring flooring KIRK FLOORING carpet vinyl wood KIRK FLOORING (310) 322-6099 Fax (310) 322-6899 (310) 322-6099 Fax (310) 322-6899 lic# 648106 lic# 648106 333 Indiana Street, El Segundo sales@kirkflooring.com 310-543-2001 plumbing plumbing Phone/Text Phone/Text 310.738.7094 310.738.7094 23 YEARS EXPERIENCE 23 YEARS EXPERIENCE Sewer Video • Hydrojetting • Bonded • Insured Sewer Video • Hydrojetting • Bonded • Insured CA LIC. #980971 333 Indiana Street, El Segundo sales@kirkflooring.com gardening gardening EL SEGUNDO GARDENER Licensed/Bonded carpet vinyl wood EL SEGUNDO GARDENER Licensed/Bonded All E.S. Crew, Lawn Service Clean Ups, Tree Trim, Sprinklers, Handyman, etc. All E.S. 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