Page 4 - AAA Schuylkill County – AAA Now! – July/August 2016

MEMBER SERVICES
Protecting Your Identity
Continued from page 3
• Always compare the Explanation of Benefits your insurance company sends you with the bill you receive from a provider. Never pay a medical bill without a matching EOB.
• Keep records of all your medical appointments and prescriptions.
TAX-RELATED IDENTITY THEFT
If someone steals your Social Security number, he or she can use it to commit tax identity theft or tax-related fraud. Crooks
may use your personal information to file a fraudulent tax return in your name, claiming any refund you’re owed. Or they may use your information to file a return on income they’ve earned in your name, leading the IRS to believe you owe taxes on that income. To reduce your risk of tax-related identity theft:
• Protect your Social Security number.
• Investigate the credentials of any professional
you hire to prepare your tax return.
• File your return as soon as possible.
• Never provide information over the phone,
via email or text message to anyone who claims to be from the IRS. The IRS contacts taxpayers by mail.
STEPS EVERYONE SHOULD TAKE TO HELP PREVENT IDENTITY THEFT
Certain actions can help you protect your identity no matter your age:
• Share your Social Security number only with
those who absolutely need it, and never carry your Social Security card around in your wallet or purse.
• If you use technology, make sure it’s protected with firewall, anti-virus, anti-malware and anti-spam software.
• Monitor your financial accounts regularly for signs of unauthorized activity.
• Check your credit report regularly, and consider credit monitoring to help you catch any
early signs of identity theft. AAA provides ProtectMyID® identity theft monitoring products as a benefit to members.
After working hard for so many years to secure your retirement, it’s important to protect yourself from identity thieves who want to tarnish your Golden Years. Take steps to monitor your credit and protect your identity so your nest egg remains secure throughout your retirement.
1 Federal Trade Commission’s Consumer Sentinel Network Data Book, January – December 2010 and January
– December 2014, https://www.ftc.gov/system/files/documents/reports/consumer-sentinel-network-data- book-january-december-2013/sentinel-cy2013.pdf and https://www.ftc.gov/system/files/documents/reports/ consumer-sentinel-network-data-book-january-december-2014/sentinel-cy2014-1.pdf
2 https://www.fbi.gov/scams-safety/fraud/seniors
3 http://oig.hhs.gov/fraud/medical-id-theft/index.asp
4 https://www.irs.gov/uac/Taxpayer-Guide-to-Identity-Theft
5 https://www.irs.gov/uac/Taxpayer-Guide-to-Identity-Theft
CREDIT OFFER!
EARN UNLIMITED REWARDS
EARN UNLIMITED REWARDS AND GET A $50 STATEMENT
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For a limited time, use your new AAA Member Rewards Visa® credit card to
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csprednidt.a*tElaeranstp$o2in5ts0 on aplul rocfhyaosuersptuhrechfiarste9s0anddayrsedaenedmgetht eam$5fo0rsctasthembaecnkt. credit.* Earn points on all of your purchases and redeem them for cash back.
n 3x points = 3% cash back
n on qualifying AAA and travel purchases**
3x points = 3% cash back
on qualifying AAA and travel purchases**
n 2x points = 2% cash back
n on gas, grocery store and drugstore purchases**
2x points = 2% cash back
on gas, grocery store and drugstore purchases**
n 1 point per $1 = 1% cash back n on purchases everywhere else**
1 point per $1 = 1% cash back
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The categories won’t change and there is no limit on the points you can
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For information about rates, fees, ot use of this credit card, or to apply, visit the website
above or any AAA branch and refer t ation.
For information about rates, fees, other costs and benefits associated with the use of this credit card, or to apply, visit the website * Statement Credit Offer (Valid 5/1/16–8/31/2016). You will qualify for a $50 statement credit if you use your new credit card account
above or any AAA branch and refer to the disclosures accompanying the application.
to make any combination of purchase transactions totaling at least $250 (exclusive of any fees, returns and adjustments) that post
* Statement Credit Offer (Valid 5/1/16–8/31/2016). You will qualify for a $50 statement credit if you use your new credit card account to your account within 90 days of the account open date. Limit one (1) statement credit per new account. This one-time promotion
to make any combination of purchase transactions totaling at least $250 (exclusive of any fees, returns and adjustments) that post is limited to new customers opening an account in response to this offer. Other advertised promotional statement credit offers can
to your account within 90 days of the account open date. Limit one (1) statement credit per new account. This one-time promotion vary from this promotion and may not be substituted. Allow 8–12 weeks from qualifying for the statement credit to post to your
is limited to new customers opening an account in response to this offer. Other advertised promotional statement credit offers can account. The statement credit will generally be applied to your existing balance with the highest APR before being applied to any
vary from this promotion and may not be substituted. Allow 8–12 weeks from qualifying for the statement credit to post to your balances with lower APRs. Receipt of a statement credit does not affect your responsibility to pay your Total Minimum Payment
account. The statement credit will generally be applied to your existing balance with the highest APR before being applied to any shown on each statement you receive from us.
balances with lower APRs. Receipt of a statement credit does not affect your responsibility to pay your Total Minimum Payment ** Earn 1 point per dollar of new net retail purchase transactions (qualifying purchases less credits, returns, and adjustments)
shown on each statement you receive from us.
charged to the card each billing cycle. Earn 2 points per dollar for purchases made with the card at any eligible gas, grocery store
** Earn 1 point per dollar of new net retail purchase transactions (qualifying purchases less credits, returns, and adjustments) or pharmacy retail merchant categories as designated by Bank of America. Earn 3 points per dollar for purchases made with the
charged to the card each billing cycle. Earn 2 points per dollar for purchases made with the card at any eligible gas, grocery store card through any participating AAA Club when AAA is the merchant of record, or at eligible retail travel merchant categories as
or pharmacy retail merchant categories as designated by Bank of America. Earn 3 points per dollar for purchases made with the designated by Bank of America. Points expire five (5) years after the month they were earned. Additional restrictions apply. Please
card through any participating AAA Club when AAA is the merchant of record, or at eligible retail travel merchant categories as refer to disclosures accompanying application for details.
designated by Bank of America. Points expire five (5) years after the month they were earned. Additional restrictions apply. Please ***50,000 points can be redeemed for a $700 AAA Voucher compared to $500 in cash rewards. The redemption value for AAA
refer to disclosures accompanying application for details. vouchers varies based on the number of points redeemed.
***50,000 points can be redeemed for a $700 AAA Voucher compared to $500 in cash rewards. The redemption value for AAA This credit card program is issued and administered by Bank of America, N.A. Visa and Visa Signature are registered trademarks of
vouchers varies based on the number of points redeemed.
Visa International Service Association and are used by the issuer pursuant to license from Visa U.S.A. Inc. ©2016 Bank of America
This credit card program is issued and administered by Bank of America, N.A. Visa and Visa Signature are registered trademarks of Corporation ©2016 AAA ARBVMKBD
Visa International Service Association and are used by the issuer pursuant to license from Visa U.S.A. Inc. ©2016 Bank of America Corporation ©2016 AAA ARBVMKBD
er costs and benefits associated with the the disclosures accompanying the applic
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JULY/AUGUST 2016