Page 18 - AAA Northampton County – AAA Now! Fall 2015

AAA
CYBER STRATEGIES:
5 TIPS FOR USING YOUR CREDIT CARD ONLINE
MEMBER SERVICES
TM
Did you know
the back of your
AAA Northampton County membership card can save you money at
the pharmacy?
AAA members can save up to 50% on prescriptions. Your AAA Prescription Savings card is FREE with your membership, is accepted by 9 out of 10 pharmacies, covers EVERYONE in your family and is even good for many pet prescriptions. Just present your prescription and your valid
AAA membership card to the participating pharmacist.
For more information, visit AAA.com/prescriptions or speak to one of our Member Specialists.
With just a click of the mouse, you can buy nearly any product online – from cars and diamond jewelry to medicine and mortgages.
Yet online shopping requires the same level of precaution you use when you’re out shopping in person.
Take these steps to avoid being cheated by clever scam artists:
SHOP AT SECURE WEBSITES
The key here is a Secure Socket Layer, or SSL, which uses encryption technology to scramble the information you send to an online merchant. Look for an “s” displayed after “http” in the address bar of your browser. The https:// indicates that a website is secure. Note that
you may not see the “s” until you actually move to the merchant’s order page. Another way to determine if you are on a secure site is to look for a closed padlock or an unbroken key symbol at the bottom of your screen.
UNDERSTAND PRIVACY AND SECURITY POLICIES
Be sure to review the merchant’s data security practices, which are often explained in a Privacy Policy or Security Policy. Look for online merchants who are members of a program such as TRUSTe (www.truste.org), Verisign (www.verisign.com) or BBBonline (www.bbbonline.org), which sets guidelines for privacy-related best practices.
SHOP FROM HOME
Public computers and networks expose your shopping to plenty of online dangers – including the use of key logger software that captures your login information and credit card number. Your credit card information can even be stolen when you use your personal laptop on a public wireless network.
USE A CREDIT CARD
The safest way to shop on the Internet is with a credit
card. You are protected under the federal Fair Credit
Billing Act, and you have the right to dispute charges on your credit card and withhold payment during a creditor investigation. Make sure your credit card is a true credit card and not a debit card or ATM card, which are not protected by federal law to the same extent as credit cards.
CHECK YOUR STATEMENTS
In addition to printing or saving copies of your orders, check your credit card statement carefully after making purchases on the Internet. Identity thieves sometimes make a low-dollar “test charge” to see if the card works – and then strike weeks or months down the road. Some online shoppers dedicate one credit card solely for online shopping to make it easier to detect fraudulent charges.
For additional information, visit AAA Northampton County or AAA.com/creditcard.
Grow your savings.
AAA Preferred Member Rates
Get a deal without the ordeal
The AAA Auto Buying Program is designed to streamline the process of car buying.
Open a high-yield, low-risk AAA CD by Discover Bank today. As a AAA member, you get preferred member rates on 12-, 24- or 60-month CDs, plus great rates on other CD terms.
1.35% 24-Month CD
as of 8/11/15
Use Invitation Code: AAACDA715
APY1
1-800-347-7056 or AAA.com/Deposits
SEE what others paid for the new car you want, or see dealer used car prices so you know when you’re getting a good deal
GET your new car Guaranteed Savings Certificate or Used Vehicle Price Certificate
SAVE time and money with negotiation-free Guaranteed Savings off MSRP on a new car from a Certified Dealer
1Annual Percentage Yield (APY). Applies to personal accounts only. Advertised CD rate is accurate
as of 8/11/15 and subject to change daily without notice. Rate applies to a 24-month term.
A penalty may be charged for early withdrawal. Fees could reduce the earnings on the account. Discover Bank
Deposit accounts offered by Discover Bank, Member FDIC ©2015 Discover Bank
3914 Hecktown Rd., Easton, PA • (610) 258-2371 • www.aaanc.com
See how much you could save at
www.AAA.com/autobuying
or call 1-800-446-7433
18
FALL 2015
Now!