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3秒自动关闭窗口Identity Theft Protection: With credit cards -
Money Saving Expert
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Scams to grab personal details are big business for tricksters and have stoked ID fraud fear up to fever pitch.
But is there really anything to be afraid of? And what can you do to protect yourself?
There are several tips and tricks you can use to minimise the chances that fraudsters will get your details. Our Q&A below
explains it all
Scams to grab personal details are big business for tricksters and have stoked ID fraud fear up to fever pitch.
But is there really anything to be afraid of? And what can you do to protect yourself?
Our Q&A below
explains it all.
In this guide
Quick links
What is ID fraud?
It's when a criminal steals your identity and uses it to apply for credit and services, leaving you to foot the bill.
It can be as simple
as going through your rubbish bags, finding your old letters and bank
statements and then applying for financial products using your details.
Some criminals sweep personal details from social media accounts such as Facebook,
LinkedIn or Twitter, to build up an even stronger profile of your identity, so be careful what you publish.
But actually, you're rarely liable for cash which is fraudulently spent,
providing you can prove it wasn't you and that you haven't been negligent.
Why is it a problem?
It's a nightmare to sort out and can leave you out of pocket.
ID theft can also lead to unpleasant encounters with
debt collectors, court actions and problems getting credit or a mortgage. It's usually stressful as well as time-consuming.
So, while it's important to be concerned, taking the same sensible precautions as normal is what counts. Crucially, banks cover the cost of ID fraud as long as your negligence didn't let the fraudsters get the PIN.
Banks say that if your PIN is easily guessable, eg, , or your date of birth, they won't pay out on any fraudulent transactions made on your card. If it's easy - change it!
How do I protect myself?
There are a number of preventative measures:
Keep your PIN safe
PINs and passwords for debit and credit cards are the easiest way to access accounts. Always keep yours safe. Try not to use codes derived from kids' or relatives' birthdays, as fraudsters could determine your PIN from that information.
Get a shredder
Everybody should have a cross cut shredder (these usually cost around ?20) for destroying important documents.
This means no one can root through your bins to find personal data, and use it in financial scams (read more about phishing later in the guide).
This should
include all documents from financial institution any others with
your name and address on should be considered for shredding.
Lock down your phone
As we use our smartphones more and more for our banking and shopping,
please please please make sure your phone or tablet has a pin to lock it.
You should also see what permissions your apps may have, such as the ability to change passwords on email accounts.
Protect yourself online
Kitting out your computer with up-to-date antivirus software
is a must. Read the
When using social media accounts like Facebook, don't display information fraudsters could use to impersonate you, such as your date of birth or
mother's maiden name. You should avoid using the same passwords when you create accounts, as access to one could mean access to all. Plus if personal and identifiable information isn't integral to the service, there's no harm in using a false one.
If you are entering card details online, make sure the web address starts with https (the 's' stands for secure). Your browser should also identify the site as secure in the address bar.
Always check bank statements
Regular checking of your bank statements is always good practice. If you spot something that looks a tad dodgy, contact your bank or building society immediately.
Also, if your bank or credit card statements fail to arrive, contact the company right away.
Regularly check your credit reference files
If someone is making false applications for credit in your name,
it will appear on your credit reference files. You should check these at least once a year (or immediately if you suspect fraud).
The prime worry is that criminals will take your
identity and use it along with other information to build a new profile, apply for new products in your name, which will go on to your records and ruin your credit history.
Yet as long as you take sensible precautions, the risks are limited.
How does ID fraud work?
There are two ways that fraudsters normally operate:
Phishing - getting you to give up your details
First, they try to get your PIN or password by what is known as 'phishing'.
This means they set up websites, or directly contact you by email, phone or post, claiming (and looking/sounding) like they are genuinely from your bank, and they ask you to enter/tell them your PIN.
If it works, they'll have all they need to access your money, and theft is easy.
So there's a very important golden rule. No matter whether it's a traditional letter, email or a phone call:
NEVER EVER EVER EVER give anyone your PIN or password.
Don't do it, don't think about
it. Always assume it's a fake.
Sadly, the banks are culpable here. They do sometimes call and request some personal details or passcodes, and this doesn't help matters.
Yet we have to protect ourselves and not rely on the banks. Having said that, no bank should ever ask for your PIN.
Even if you think the contact is genuine, while it's a hassle, just don't give them an answer. Instead, use what you already have stored as their correct phone number, website
or postal address, and contact them back. Then you can be sure you're dealing with the correct people.
ID fraud - using your identity to get credit
Second, fraudsters may apply for products using your identity. To spot this, regularly check your credit reference files, which contain all data passed on by
banks about how you do your banking.
If someone is stealing your identity,
this is where you'll spot any products listed that you never applied for.
You should check your credit file at least once a year. Read the
guide to find out how. With cashback sites and free trials, you can even get
Unfortunately, many people don't take this precaution, leaving themselves hostages to fortune. Always, always check your credit file at least once a year. Otherwise fraud can continue for years without you knowing.
The same applies if you receive goods or services you haven't bought, or are notified you've been accepted for financial products or phone contracts that you didn't apply for. All these are warning signs someone's been using your identity.
If you think you've been a victim of fraud, report it to
(tel 0), the UK's national fraud reporting centre. It may also be able to offer help and advice on what to do.
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Do I need ID fraud insurance?
No no no no NO!
An entire industry has built up selling us the fear of ID fraud, and then trying to sell us insurance against it.
In some ways these companies are almost, although not quite, as bad as the fraudsters themselves. Many don't mention that ID theft insurance only covers the cost of salvaging the mess, not the money lost through the fraud.
Most non-high net worth individuals don't need to pay for these expensive insurance policies. While ID fraud is a hassle, you're covered by the banks unless you're culpable.
ID fraud insurance should be differentiated from payment protection insurance, which is commonly sold with credit cards. The idea is that it'll make some payments for you, usually for a year, if you are unable to (eg, if you lose your job).
So it's always worth checking you aren't getting more than you bargained for when you fill in the application. Then check your statement each month to check you aren't inadvertently paying for extras if you didn't ask for them.
If you think you've been mis-sold identity theft insurance then you could be due compensation. Last year, a company called CPP, plus banks that mis-sold identity theft and card protection insurance,
had a redress scheme for its customers.
This year, it's Sentinel's turn. Read the
guide for full info on the mis-sold product and what you need to do next.
Can I get more protection for free?
ID fraud protection should come automatically with all credit cards, but some give a little more.
Aqua credit card customers get automatic protection provided by Noddle, worth ?80 a year. This includes the Noddle credit report, alerts and the improve service, which gives you tips if your credit score is below average.
Bear in mind the ,
cards have quite a high APR in comparison to others, but the major perks are the free monthly credit reports for life (typically from ?5 a month) and the alert system which instantly notifies you if someone tries to open an account in your name.
Full details: Aqua credit cards
Aqua's credit cards are quite pricey compared to the rest, but here's what you'll get as extra perks:
Online access to your monthly credit report
Aqua appointed Noddle as their credit checker so you'll get access to their online credit report. These reports typically cost from ?5-?15 a month.
Subscription to Noddle Alerts & Noddle Improve
You'll be signed up to weekly emails on Noddle Alerts which
highlights any significant changes to your credit report,
so if someone signs
up for an account in your name, you'll be in the know. The Improve function is
basically a credit score with added tips on how you can improve it if it comes up a little
Extended coverage
Even if you close your aqua card, your Noddle Improve and Noddle Alerts will continue to run for free up until their yearly anniversary, while your aqua credit checker account will switch to a typical Noddle account, so you'll be protected for longer.
Free ID fraud assistance for Direct Line home insurance customers
Those with combined buildings and contents insurance arranged with
Home Insurance Plus automatically receive free identity fraud assistance. You'll receive alerts by text and email if your personal and financial information has been made accessible online, plus you'll have access to the Experian Care service.
Yet don't let this alone persuade you to go with Direct Line, only do it if it's the best deal anyway. Find out by using the four step
cost-cutting guide.
Most credit card providers will monitor your account for suspicious activity and will contact you if there are transactions that don't fit in with your usual spending patterns to check they are legitimate. However, this is not a failsafe so it's important to check your statements, and
report cards missing as soon as you realise.
Bank accounts with assistance
Packaged bank accounts usually come bundled with travel, breakdown and mobile insurance in return for a monthly fee. ID theft assistance can sometimes be included, though the level
of cover varies.
The service they offer often provides little more than what a bank should do
if fraudulent payments have been made from your account or someone has used your identity. They're not worth getting if that's all you want them for, and often offer little more than an advice line.
Some do come with
more than that though, so if you're planning to use the other benefits too,
Too late! I think my ID has been stolen
Need instant help? If you think you've fallen victim,
CreditExpert monitoring includes access to an ID fraud protection helpline. This costs ?14.99 a month, but it offers a free 30-day trial. So if you need it, simply sign up to the service, use the ID fraud helpline and then cancel the service before the 30 days is up. See the
guide to find out how.
If you've noticed unusual account activity and genuinely suspect someone is using your identity to apply for new products,
then contact the fraud prevention service , and ask it to put a 'protective registration' on your credit reference file.
This costs ?20 and alerts all lenders who see it to carry out further checks before approving credit applications.
However, don't use this lightly. Getting Protective Registration on your files will slow up any credit searches, as your name will be flagged up, but this won't stop you from taking out products, it will
stop the fraudsters.
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More tools from MoneySavingExpertUsing CALL TRANSACTION USING for Data Transfer - Background Processing - SAP Library
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Using CALL TRANSACTION USING for Data Transfer
Processing batch input data with CALL TRANSACTION USING is the faster of the two recommended data transfer methods. In this method, legacy data is processed inline in your data transfer program.
For more information, see
CALL TRANSACTION
: Transaction code
: Internal table of structure
: Display mode:
Display all
Display errors only
No display
: Update mode:
Synchronous
Asynchronous
Local update
A program that uses
CALL TRANSACTION USING
to process legacy data should execute the following steps:Prepare a
structure for the transaction that you wish to run.
With a CALL TRANSACTION USING statement, call the transaction and prepare the BDCDATA structure. For example:
CALL TRANSACTION 'TFCA' USING BDCDATA
UPDATE 'S'.
MESSAGES INTO MESSTAB.
IF SY-SUBRC && 0.
&Error_handling&.
The MODE Parameter
You can use the MODE parameter to specify whether data transfer processing should be displayed as it happens. You can choose between three modes:
A Display all. All screens and the data that goes in them appear when you run your program.
N No display. All screens are processed invisibly, regardless of whether there are errors or not. Control returns to your program as soon as transaction processing is finished.
E Display errors only. The transaction goes into display mode as soon as an error in one of the screens is detected. You can then correct the error.
The display modes are the same as those that are available for processing batch input sessions.
The UPDATE Parameter
You use the UPDATE parameter to specify how updates produced by a transaction should be processed. You can select between these modes:
A Asynchronous updating. In this mode, the called transaction does not wait for any updates it produces to be completed. It simply passes the updates to the SAP update service. Asynchronous processing therefore usually results in faster execution of your data transfer program.
Asynchronous processing is NOT recommended for processing any larger amount of data. This is because the called transaction receives no completion message from the update module in asynchronous updating. The calling data transfer program, in turn, cannot determine whether a called transaction ended with a successful update of the database or not.
If you use asynchronous updating, then you will need to use the update management facility (Transaction SM12) to check whether updates have been terminated abnormally during session processing. Error analysis and recovery is less convenient than with synchronous updating.
S Synchronous updating. In this mode, the called transaction waits for any updates that it produces to be completed. Execution is slower than with asynchronous updating because called transactions wait for updating to be completed. However, the called transaction is able to return any update error message that occurs to your program. It is much easier for you to analyze and recover from errors.
L Local updating. If you update data locally, the update of the database will not be processed in a separate process, but in the process of the calling program. (See the ABAP keyword documentation on
SET UPDATE TASK LOCAL
for more information.)
The MESSAGES Parameter
specification indicates that all system messages issued during a
TRANSACTION
are written into the internal table
. The internal table must have the structure
BDCMSGCOLL
You can record the messages issued by Transaction TFCA in table
with the following coding:(This example uses a flight connection that does not exist to trigger an error in the transaction.)
DATA: BEGIN OF BDCDATA OCCURS 100.
INCLUDE STRUCTURE BDCDATA.DATA: END OF BDCDATA.DATA: BEGIN OF MESSTAB OCCURS 10.
INCLUDE STRUCTURE BDCMSGCOLL.DATA: END OF MESSTAB.BDCDATA-PROGRAM = 'SAPMTFCA'.BDCDATA-DYNPRO = '0100'.BDCDATA-DYNBEGIN = 'X'.APPEND BDCDATA.CLEAR BDCDATA.BDCDATA-FNAM = 'SFLIGHT-CARRID'.BDCDATA-FVAL = 'XX'.APPEND BDCDATA.BDCDATA-FNAM = 'SFLIGHT-CONNID'.BDCDATA-FVAL = '0400'.APPEND BDCDATA.CALL TRANSACTION 'TFCA' USING BDCDATA MODE 'N'
MESSAGES INTO MESSTAB.LOOP AT MESSTAB.
WRITE: / MESSTAB-TCODE,
MESSTAB-DYNAME,
MESSTAB-DYNUMB,
MESSTAB-MSGTYP,
MESSTAB-MSGSPRA,
MESSTAB-MSGID,
MESSTAB-MSGNR.ENDLOOP.
The following figures show the return codes from
TRANSACTION
and the system fields that contain message information from the called transaction. As the return code chart shows, return codes above 1000 are reserved for data transfer. If you use the
INTO &table&
option, then you do not need to query the syste their contents are automatically written into the message table. You can loop over the message table to write out any messages that were entered into it.
Return codes:
Explanation
Successful
Error in dialog program
Batch input error
System fields:
Explanation:
Message-ID
Message type (E,I,W,S,A,X)
Message number
Message variable 1
Message variable 2
Message variable 3
Message variable 4
Error Analysis and Restart Capability
Unlike batch input methods using sessions, CALL TRANSACTION USING processing does not provide any special handling for incorrect transactions. There is no restart capability for transactions that contain errors or produce update failures.
You can handle incorrect transactions by using update mode S (synchronous updating) and checking the return code from CALL TRANSACTION USING. If the return code is anything other than 0, then you should do the following:
write out or save the message table
use the BDCDATA table that you generated for the CALL TRANSACTION USING to generate a batch input session for the faulty transaction. You can then analyze the faulty transaction and correct the error using the tools provided in the batch input management facility.
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