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Credit cards are a convenient payment method all around the world – and very secure, too, if you follow the ten golden rules.
You've probably already experienced it: you're on vacation, enjoying a good meal at a restaurant, when you realize there's no cash in your wallet. But that's no problem because you have your credit card...
These elegant, colorful cards are a great success story, with two-thirds of Swiss households now owning one. There are some 6.3 million credit cards in circulation, and that number is rising all the time. This is hardly surprising given how practical credit cards are. They make shopping easier at home, abroad and on the Internet, and more and more store checkouts are now accepting contactless payments as well. Wherever you see the contactless symbol with the radio waves, all you have to do to make small payments is hold your card against the POS terminal and, hey presto, the transaction is complete.
Early warning system increases security
But how secure is the use of credit cards? Banks like UBS have sophisticated early warning systems which recognize suspicious transactions and thus prevent losses before they occur. When it comes to Internet shopping, the internationally recognized security standard 3-D Secure ensures extra protection with an additional password.
Ten tips to improve security
There are things that you too can do to stay safe with your credit card.
Cash withdrawals
Don't use credit cards to withdraw cash. It is much cheaper to do this with debit cards. So what's the difference? The V PAY, Maestro and Post cards are debit cards. If you pay with a debit card, the amount in question is deducted from your account instantaneously. With credit cards such as Visa or Mastercard®, the debit only occurs at the end of the month or can be paid in installments. Credit cards usually include additional services such as discounts for Europcar rentals or insurance cover. What is more, using your UBS credit card means you can collect KeyClub points, which can be used like cash at KeyClub partners.
Monday through Friday, 8:00a.m to 6:00p.m.
We’ll be happy to call at a time that suits you.
Meet with one of our client advisors.