Concerned About Your Data?

Our members have an ongoing commitment to protecting our customers’ data. Yet in spite of all the payment card industry does, breaches and attempted breaches occur—some caused by criminals or even rogue nation states. Data breaches may involve personally identifiable information (PII), personal health information (PHI), trade secrets or intellectual property. Breaches occur via cybercrime, e.g., "hacking," cyber-espionage, web application attacks, denial-of-service attacks, malware, and viruses; physical theft wherein a computer, server, or mobile device is taken, or material records, such as receipts and customer files.

Media reports encourage consumers to "freeze" their credit reports after a breach—a solution that is a blunt instrument which prospectively locks everyone out of a credit file making getting new or refinancing existing loans more cumbersome. Fraud alerts, already available from credit bureaus may be a better alternative if your data has been breached.

Need help?

Credit cards are valuable tools to manage your financial affairs. They provide convenient access to credit; allow you to travel without the risk of carrying cash, and may offer valuable reward programs. But we recognize your financial situation may change, and you may become overburdened.

If you need help in dealing with financial problems, the non-profit National Foundation for Credit Counseling provides assistance. Click on the button below to visit the site.