Page 19 - Explore Your AAA – AAA Southern Pennsylvania – January/February 2020

It seems every day there’s more bad news in the world of cyber security. Data leaks, malicious apps and phishing attacks are a reality in the digital age. In 2017 alone, nearly 17 million people were victims of identity theft — a record-high for the second year in a row, according to the Insurance Information Institute.
With so much of our lives online, protecting against identity theft isn’t easy. Fortunately, there are steps you can take to minimize the risk.
Beware of imposters. Don’t give out personal information on the phone, in the mail or over email unless you know for sure who you’re speaking with. If you receive an email requesting personal information,
don’t click on any links—instead, contact
the company’s customer service department through its website.
Check your credit score. Request a credit report every so often to make sure no one has opened any credit cards or loans in your name. If you see any transactions you don’t recognize, report them immediately.
Wipe your devices. Make sure to delete all personal information before getting rid of computers and mobile devices. Override the hard drive on your computer, and look up how to delete information permanently on your mobile device. This may require referencing the owner’s manual, manufacturer’s manual or service provider’s website.
Safeguard your shopping. When making transactions online, look for the lock icon in the status bar of your browser, which denotes that encryption software is in use. This type of software scrambles information, making for a safer transmission of information.
Use strong passwords. Get creative when choosing your passwords—the more unusual they are, the more secure they will be. Create an acronym from a phrase that’s easy to remember, or substitute letters with num- bers.
Don’t overshare on social media. Posting your full name, phone number or other identifying information puts you at risk of identity theft. Limit who you share personal
Finalncial Services information with, as it could be used to
answer security questions and gain access to your accounts.
Delete suspicious emails. If you receive any email from a stranger, don’t open it or click on any links—it could expose you to a phishing virus or spyware that captures information as you type it.
Know the signs. If you notice false information on your credit reports, receive credit cards in the mail that you didn’t apply for or get notices for things you didn’t buy, contact your creditor.
AAA helps make identity theft protection easier with ProtectMyID®, which provides daily monitoring of your credit reports, lost-wallet protection and more. For more information, visit AAA.com/IDTheft.
NG THE PERKS
For information about rates, fees, other costs and benefits associated with the use of the AAA Member Rewards credit card visit any AAA brand or AAA.com/creditcard and refer to the disclosures accompanying the online credit application. 1 Credit Card Travel Bonus Points Offer. You will earn 5 points per dollar spent (consisting of 4 bonus points and 1 base point) on Royal Caribbean transaction(s) that have a transaction date from January 1, 2020 through February 29, 2020. Purchases made through merchants other than Royal Caribbean will not qualify for the bonus points. Merchants are assigned a merchant category code (MCC) and merchant name. We do not determine which MCC or merchant name a merchant chooses to classify itself. Your purchase may not qualify to receive the bonus earn rate if the merchant does not process transactions under the MCC or merchant name that corresponds with the bonus. This promotion will not impact the standard earn rate on purchases or the bonus rewards offers on travel, gas, grocery store, wholesale club and drugstore purchases. The value of this reward may constitute taxable income to you. You may be issued an Internal Revenue Service Form 1099 (or other appropriate form) that reflects the value of such reward. Please consult your tax advisor, as neither Bank of America, nor its affiliates, provide tax advice. Bonus points earn as a result of this promotion will not receive any Preferred Rewards/Preferred Rewards for Wealth Management Program Bonuses. Details are available at bankofamerica.com/preferredrewards. This credit card program is issued and administered by Bank of America, N.A. Visa and Visa Signature are registered trademarks of Visa International Service Association and are used by the issuer pursuant to license from Visa U.S.A. Inc. AAA is a registered trademark of American Automobile Association, Inc. © 2019 Bank of America Corporation © 2019 AAA AR3VSX6K. Contact your travel advisor for complete details of Perfect Day Island amenities. Coco Beach Club including Floating Cabanas is currently in development and is scheduled to open January 31, 2020; all features and timing are subject to change without notice. Images and messaging for Coco Beach Club may include artistic renderings. Perfect Day and CocoCay are registered trademarks of Royal Caribbean. ©2019 Royal Caribbean Cruises, Ltd. Ship’s Registry: The Bahamas. 19070151 • 09/23/2019.
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LIMITED-TIME OFFER.
EARN 5X POINTS1. AND THE MEMORIES.
Experience the ultimate vacation on land and sea with Royal Caribbean®. Perfect Day at CocoCay blends thrills and chill, from plunges down North America’s tallest waterslide to maxed out relaxation at Oasis LagoonSM. And when the day’s done, the adventure’s just begun on the world’s most incredible ships.
TO LEARN MORE, CONTACT YOUR AAA TRAVEL AGENT
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