Think you’ve been a victim of Credit Card Fraud?

 

If your Card has been lost or you can't identify a transaction on your Account, call us immediately on 0800 656 660 from New Zealand or +64 9 583 8300 from overseas.

 

With our 24-hour emergency helpline, we'll work to get a replacement Card to you as soon as possible (often within two working days).

What is Credit Card fraud?

 

It is any time your Credit Card is used by an unauthorised person. Fraudsters may make a copy of your Credit Card details and use them to make purchases over the phone or online. While scammers try to trick you in providing your Credit Card details by pretending there is an official reason for Card details to be shared. What to look out for:

Vishing Scam

 

When you receive a call from someone claiming to be from American Express© and asks you to confirm with them any type of verification code.

Spoofing

 

When a fraudster disguises their own number or website as American Express.

 

 

Identity theft

 

There are two forms: Application fraud is someone using your info to apply for a card. Account Takeover is a fraudster accessing and changing your Card account info to lock you out.

Email phishing

 

When a scammer attempts to trick you into sharing private information, often posing as the Post Office, government or other reputable organisations to obtain your Card details. Learn more here.

How American Express® Cards can help protect you

1

 

Keep your contact details up to date through your Amex Account                                                                                                                                                      

2

Switch to paper-free statements and view your statements regularly and thoroughly. You can opt in to paperless statements by logging into your Online Services Account

3

 

Download the Amex App to manage your Account and access all transactions                                                                                                                              

Be alert for bogus emails and phone calls

 

We will never call you and ask for the following:

Full identification details

One-time PIN verification codes

Logins and passwords

Your Card details or PIN

Card safety tips

Keep your Card safe

 

  1. Never let anyone else use your Card
  2. Immediately sign the back of new Cards
  3. Always destroy old, expired Cards by cutting them up
  4. Let us know immediately if you've lost your Card, or think it may be stolen

Protect your PIN

 

  1. Never keep your PIN in your wallet, purse or diary, or record it in a way that others could understand
  2. Do not tell anyone else your PIN
  3. Always try to cover your hand when entering your PIN to prevent hidden cameras or others seeing this
Update your pin

What are common ways fraudsters might contact you?

 

 

There are many tricks to how fraudster could get your card details or convince you to make a transaction yourself. Here are some common examples:

Fraudsters may urgently call, text, or email you, requesting you to download a remote access app.

Scammers might pose as legitimate merchants, tempting you with fake offers or gift cards as a tactic to gain access to your account details.

You might receive notifications falsely claiming that your card has been lost or stolen, prompting you to share sensitive information.

Keep an eye out for these tactics to safeguard your finances. If you have any concerns, don't hesitate to reach out to our team – we're always here to assist.

Our Fraud Protection Guarantee

 

Relax knowing that with American Express your Account is protected by our Fraud Protection Guarantee.
Our dedicated Security Team will do everything they can to take care of you.

Intelligent Security

 

 

Our industry leading fraud detection technology helps protect your Account from fraud 24/7. With advanced machine learning and a team of dedicated fraud experts, you can shop with confidence anytime, anywhere.

Fraud Protection Guarantee

 

If you do become a victim of fraud, our Fraud Protection Guarantee means you won’t be held responsible for any fraudulent charges, provided you’ve taken reasonable care to protect your Account details, PIN and any device you store your Account information on.

Account and Fraud Alerts

 

If we spot anything unusual in your spending patterns, you’ll receive an instant alert by text or email. In one click, you can tell us if it was you or not. You can set up Account alerts to keep an eye out for fraudulent activity. These include weekly balance updates and an alert when you’re near your personal credit limit.

SafeKey® Verification

 

 

Smart authentication technology that works behind the scenes, protecting you from fraud while you shop online by checking it’s really you when making a purchase.

Discover how stolen information might be misused

 

By keeping yourself informed and alert, you can prevent criminals from exploiting your data.
Here are some of the ways they might misuse your personal information:

 

           

1

           

Applying for credit cards or services like opening utility accounts or even trying to get medical care.

           

2

           

Draining financial accounts by buying things using your account or simply taking your money.

           

3

           

Accessing other accounts that use the same username and password as your banking details to get to your money. Even getting in to your employer’s systems.

           

4

           

Selling your information on underground online marketplaces.

Your actions today protect your personal information from future risks.

shield

Stop. Challenge. Protect.

 

If you’re in any doubt about a text, email or phone call you receive, call the number on
the back of your Card to speak to American Express.