Credit Guide

The information on your credit card is not as secure as you might believe. It is possible for anyone to acquire your credit card information simply by hacking into a merchant database, stealing your card, or asking you for the information it contains. Whilst the first scenario has a lower chance of happening, it is not impossible. If this happens, credit card companies will notify their users and reissue the credit cards to replace those in which security has been compromised.

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On your part, having your card or identity stolen has a greater effect on you as an individual. If this happens with you being aware of it, you should report the loss to your credit card company immediately. In most cases, it has been found that victims of credit card theft pay no more than $50 for all unauthorized purchases charged by the thief. It is also a good idea to always keep a photocopy of both sides of your credit card as well as the contact number of your card company in case of emergencies like this.

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At time, it may not be easy for you to realize that you may have unwittingly disclosed information on your credit card to strangers. Unsolicited calls by strangers asking users for their credit card and social security numbers are one of the many scams that have plagued users. It is therefore important to remember that you are not obligated to disclose your credit card number to anyone over the phone.

Credit card fraud has dropped by almost a third since the introduction of chip and pin security, according to the scheme's organiser the Chip and Pin Programme.

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Apart from that, when making purchases with your credit card, you should never sign on a blank receipt. Keep all your receipts to prevent others from obtaining your credit card number and the expiration date. Usually, these two pieces of information are enough to allow an online transaction to go through. As for online transactions, always use a private computer to make the transactions rather than on a computer in a cyber cafe. You should also make all card transactions on your own, even if you are paying for someone else. Finally, when you are closing your account, it is best to cut up your card before mailing it back to the credit card company.

Do you guarantee credit card security bit SSL encrypted session protects your personal information as it travels between your computer and our server. We go one step further by requesting the buyer to enter a Credit Security Code, the 3 or 4 digit number located on the back of most cards. The Credit Security Code does not appear on credit statements or receipts, so it assures us that the card being used is truly in possession of the buyer. Additionally, credit card details (such as credit card number, Credit Security Code and expiry date) are not stored on our server once the transaction is complete.

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is so confident in our site security that we guarantee our transactional process 100%. If you experience an unauthorized use of your credit card, you must first notify the company that issued the credit card based on its reporting rules and regulations. Under United States Federal Law, the card issuer cannot hold a cardholder liable for more than $50.00 of any fraudulent transactions charged to a credit card. If your credit card issuer holds you liable for any or all of the maximum $50 amount, Biblio.com will cover this amount (if it is proven that the unauthorized use of your credit card resulted through no fault of your own from purchases made at Biblio.com while using our secure server).

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This site has security measures in place to protect the loss, misuse and alteration of the information under our control. We work to protect the security of your information during transmission by using Secure Sockets Layer (SSL) software, which encrypts information you input. As is necessary, we transmit the entire credit card number to the appropriate credit card company during order processing. Your credit card information is NOT stored on our servers, and is not made available to any other parties.

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