Page 19 - AAA Central Penn – AAA Now! – January/February 2018

AUTOMOTIVE SERVICES
Cyber Strategies:
AAA
TM
5 Tips for Using Your Credit Card Online
With just a click of the mouse, you can buy nearly any product online – from cars and diamond jewelry to medicine and groceries.
Yet online shopping requires the same level of precaution you use when you’re out shopping in person.
Take these steps to help avoid being cheated by clever scam artists:
Shop at Secure Web Sites
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. This 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 not held liable for fraudulent charges that are promptly reported, and if you have a dispute with a merchant over a charge, you have the right to dispute that charge and withhold payment on it during a creditor investigation. Make sure you understand the difference between
a credit card and 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 any AAA Central Penn office location or go to AAA.com/creditcard.
BONUS POINTS COULD BE YOURS
points on eligible travel points on gas, grocery store 1 point per $1 on and AAA purchases and drugstore purchases all other purchases
APPLY TODAY! VISIT YOUR LOCAL AAA OFFICE.
AFTER QUALIFYING PURCHASES1
EARN 2
3X 2X 1X
For information about rates, fees, other costs and benefits associated with the use of this card or to apply, visit your local AAA office.
1Bonus Points Offer. You will qualify for 10,000 bonus points if you use your new credit card account to make any combination of Purchase transactions totaling at least $500 (exclusive of any fees, returns and adjustments) that post to your account within 90 days of the account open date. Limit one (1) bonus points offer per new account. This one-time promotion is limited to new customers opening an account in response to this offer. Other advertised promotional bonus points offers can vary from this promotion and may not be substituted. Allow 8−12 weeks from qualifying for the bonus points to post to your rewards balance.
2How You Earn Points: You earn points when you use your card to make purchases, minus returns, credits and adjustments (“Net Purchases”). The following transactions are not considered Net Purchases and will not earn points: Balance Transfers and Cash Advances (each as defined in your Credit Card Agreement), fees, interest charges, fraudulent transactions and certain other charges. 1 Point: Earn 1 point (base point) for every $1 of Net Purchases charged to the credit card each billing cycle. 2 Points: Earn 2 points (consisting of 1 bonus point and 1 base point) per $1 for Net Purchases made with the card at any eligible gas, grocery store or drugstore merchant categories as designated by Bank of America. 3 Points: Earn 3 points (consisting of 2 bonus points and 1 base point) per $1 for Net Purchases made with the card through any participating AAA Club when AAA is the merchant of record, or at eligible retail travel merchant categories as designated by Bank of America. Points Expiration: Points expire 5 years after the month they were earned. Points Forfeiture: If the owner(s) of the card account voluntarily closes the card account, or if for any reason we close the card account, any unredeemed points associated with the account are subject to immediate forfeiture, unless specifically authorized by us. Rewards Program Rules: Program Rules containing additional details will be sent to you with your new account materials. Other significant terms apply. Program subject to change.
*$25 Membership Credit. To receive a $25 Membership Credit, member must be approved through an in-branch application that is submitted from 10/2/2017 through 2/27/2018 at a AAA branch/store (phone and online applications do not qualify). Upon a same day approval for a AAA Member Rewards credit card, you will receive a $25 credit toward membership renewal for the current year. If the current year’s membership dues have already been paid, the credit can be applied to next year’s membership renewal. One $25 Membership Credit per new account.
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 the American Automobile Association. ©2017 Bank of America Corporation ©2017 AAA
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JANUARY/FEBRUARY 2018
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$25 Membership Credit*
upon approval for the
AAA Member Rewards Visa® credit card in branch now thru 02/27/18.
Now!