Unfamiliar transactions on your statement happen for a number of reasons, and they are often not a result of fraud. Firstly‚ you should confirm your question by going through our checklist of common reasons for unexpected charges - often, your query can be resolved right here. If none of these seem to be reasons for yours, just call us at 1-800-668-2639 any time of the day or night, 7 days a week. We are always here to help you.

Our relationships with merchants all over the world help us protect your transactions. As part of our regular screening of Cardmember transactions, our systems will look for unusual transactions - this could include purchases outside your normal spending habits. Where our fraud detection programs identify suspicious activity, we may try to contact you to verify whether the transaction is legitimate. However, there may be cases where we will try to prevent a potential fraudulent transaction by putting a hold on your account transactions.

Using your Card online is safe and convenient as long as you follow a simple rule. When shopping online, only use "secure" web pages when you enter your Card details. A web page is secure if there is a locked padlock in the lower right-hand corner of your browser or if the address starts with 'https', where the 's' stands for secure. Also, it is your responsibility to practice safe computing.

If you are a victim of online fraud, have taken reasonable care to protect your account details, and provide any necessary information to our Fraud Department, you won’t be held responsible for any fraudulent charges.

If you have taken reasonable care to protect your account details, PIN and biometric authentication such as fingerprint and facial recognition, you will not be held responsible for any fraudulent charges.

Reasonable care includes practices such as:

• Contacting us as soon as you realize your Card or device on which your account information has been added has been lost or stolen
• Advising us if a renewal card has not been received
• Advising us if someone else learns of your PIN or code
• Contacting us if you suspect that your account is being misused
• Protecting your PIN, code and device access from others, including your family and close friends
• Safe computing (e.g. encryption, virus scanning software, firewall, anti-spyware software and other similar safeguards)

Your American Express Card or account is non-transferable meaning other people are not allowed to use your Card. If you still lend your Card to another person, even with permission to use the Card for any purchase, you will be held responsible for all charges they make. Similarly, you are responsible if you let a person use your device or add their biometric authentication such as fingerprint or facial recognition.

In some instances, fraudulent card use by a family member can be covered by our Fraud Protection Guarantee, provided you are able to provide us with information which will include a declaration, affidavit, and/or a copy of an official police report. If you are concerned about a situation like this, please call us.

There are some simple steps you can take to ensure you and Supplementary Cardmembers are safeguarding your Card:

• Sign the Card in ink as soon as it is received
• Keep the Card secure at all times
• Regularly check that you have the Card in your possession
• Do not let anyone else use the Card
• Ensure that you retrieve the Card after making a purchase
• Never give out your Card details to unauthorized parties
• Protect your PIN, telephone codes, online passwords and any other codes used on your account
• Take care to prevent anyone else seeing the code when entering it into an ATM or ABM or other electronic device
• Take care to prevent someone from using or acessing a device on which you have added your account information

Refer to your Cardmember Agreement for more details on how to prevent misuse to your account.