The USEFCU Blog

The holiday season is upon us, and that means it's time to start checking off your gift list. While it's tempting to use your trusty debit card for all your holiday shopping, there are compelling reasons to consider using your credit card instead, especially when it comes to protecting yourself from potential fraud. Here are three key advantages of using your USEFCU credit card during this festive season:

Enhanced Fraud Protection

• • Zero Liability Protection: Most major credit card issuers offer zero liability protection, meaning that if your card is used fraudulently, you won't be held responsible for unauthorized charges. This protection can save you from financial stress during a time when every penny counts.

• • Easy Dispute Resolution: A well-established dispute resolution process makes it simpler and quicker to dispute and resolve any unauthorized or suspicious transactions. We investigate and often refund your money while the investigation is ongoing, giving you peace of mind.

• • Advanced Fraud Detection Systems: Credit card companies employ advanced fraud detection systems to monitor your transactions in real-time. If they detect unusual or suspicious activity, they will often reach out to you for verification. This proactive approach adds an extra layer of security.

Build or Improve Your Credit Score

• • Responsible credit card use can positively impact your credit score. By making timely payments and maintaining a low credit utilization rate, you demonstrate responsible financial behavior. A good credit score can open doors to better financial opportunities in the future, such as lower interest rates on loans and credit cards.

• • During the holiday season, the added protection of a credit card can help you maintain your financial health by avoiding potential setbacks caused by fraudulent debit card transactions.

Porch Piracy Protection

• • Porch Piracy Protection guards against the theft of eligible items of personal property purchased with your account and/or rewards programs associated with your account within the first ninety (90) days from the date of purchase.

• • In the event of theft, this benefit reimburses you up to the total purchase price of your item for a maximum of one thousand dollars ($1,000.00) per claim and ten thousand dollars ($10,000.00) per cardholder.

In conclusion, using your USEFCU credit card for holiday shopping comes with several advantages, especially when it comes to fraud protection. With zero liability protection, efficient dispute resolution, and porch piracy protection, you can enjoy a secure shopping experience and have a backup plan in case of unauthorized transactions. Additionally, you can use this opportunity to build or improve your credit score and take advantage of valuable perks like extended warranties and purchase protection. So, this holiday season, consider swiping your credit card for safer and more worry-free shopping.