Protect your Card from Fraud

We take protecting you and your RCBC Credit Card account seriously. Learn more about different types of fraud and prevention tips.


Here are some tips to protect yourself from fraud:

  1. Check any sign of tampering on your Card envelope. Your new Card should be in an envelope sealed with a tamper-proof sticker.
  2. Check your Card. Your Card should be affixed to your Welcome Letter. The card details such as Name and 16-digit card number should be seamlessly embossed.
  3. Report any sign of tampering. Do not accept if seal is broken & immediately report any sign of tampering by calling 8888-1888.

    Beware of fraud! Stay smart and vigilant.

Whenever you are issued a new credit card, such as a renewal or a replacement card, for security purposes, please dispose the old card in a thorough manner.

Properly destroying and disposing your old RCBC Credit Card will greatly reduce the risk of fraud. Here's how to safely dispose your old card:

  1. PERFORATE THE EMV CHIP. All the information stored on your card is also stored on the EMV chip so be sure to destroy it by punching a hole or smashing the chip.
  2. PROPERLY CUT UP THE CARD. Take a strong pair of scissors and cut up the card horizontally and then vertically over the magnetic stripe, name, card number, and security code.
  3. THROW THE PIECES SEPARATELY. Don’t place all of the pieces of your destroyed card into one bin as this potentially gives a fraudster the opportunity to try to piece the card together. Place the pieces of your destroyed credit cards in different trashcans.

Please stay smart and vigilant.

Find out how you can protect yourself and your credit card account from people who want to get your personal information to gain access to your account.


Credit card fraud is the unauthorized use of an individual’s credit card or card information to make purchases, or to remove funds from the cardholder’s account.

Types of Credit Card Fraud and Prevention:

PHISHING – The act of fraudulently obtaining a person’s confidential or financial information by using an online resource such as electronic mail, social media and other internet-related methods. Information stolen may include online account names, log-in passwords, and other personal data.

Prevention: Do not respond to emails requesting for your card number, CVV/CVC (i.e. the 3-digit code found at the back of your card), or your One-Time password. RCBC or RCBC Credit Cards will not ask for your OTP or CVV via phone or SMS.

SKIMMING – The use of a small device to steal credit card or ATM information in an otherwise legitimate credit or debit card transaction. The device copies and stores all the details stored in the card’s magnetic stripe such as the credit card number, expiration date and the credit card holder’s full name.

Prevention: RCBC Credit Cards/RCBC Bankard Services Corp. has issued EMV cards which make it more secure against skimming.

OTP TAKE-OVER – The One-Time Password (OTP) is issued whenever you do an online transaction at shop secure merchants. Unscrupulous people might call asking for your OTP and CVV/CVC to make fraudulent purchases using your credit card.

Prevention: You should NEVER disclose your OTP to anyone. If anyone calls you to ask what your OTP is or asks you to provide the three-digit CVV/CVC number located in the signature panel of your card, hang up. This is a fraudster intending to use your OTP.


  • After using your RCBC Credit Card, keep it in your wallet. Do not allow anyone to take a photo of your card.
  • Don’t just leave your credit card statements lying around. If you have to dispose of it, shred it or tear it up into little pieces. 
  • Never sign a blank credit card transaction receipt. In fact, double check all the numbers and details of purchase before signing it. 
  • Report lost or stolen cards immediately to avoid fraudulent charges that you may be required to pay. 
  • Review your monthly billing statements diligently. If there are charges that you don’t remember making, immediately report this to RCBC Credit Cards' Customer Service hotline. 
  • Never respond to any enticing offers that will require you to click a link even if the site that offers it looks legitimate. Phishing scammers can be very creative in trying to get your log-on and password information. If the offer is too good to be true, it’s most likely a scam.  
  • Ensure your contact details are always updated in our record so our Fraud Team can reach out to you immediately when they monitor any suspicious transaction.
  • If you receive any suspicious emails, SMS, or phone calls, immediately report the incident to our Customer Service hotline 8888-1888.
  • Remember to make use of the security benefits of your RCBC Credit Card. Enroll your cards in Spend Monitor so you’ll receive an alert whenever you or your supplementary cardholder/s use your card/s.     

  • Together, let’s ensure that your card transactions are safe and that you’ll enjoy all the benefits of being an RCBC Credit Cardholder.


Smishing is a form of phishing activity where fraudsters trick the users to click or download a malicious link to acquire information such as username, password, and/or One-Time Password (OTP) through SMS.

How to know if you’re being smished?

  • RCBC and RCBC Credit Cards will never ask you to share personal information such as account number, username, password, or One-Time Password (OTP) over SMS. 
  • Similar to phishing, smishing tactics include the use of fear to urge the recipients to click on a malicious link e.g. account is blocked, unauthorized transaction, etc. 
  • Be suspicious of any SMS containing website links that redirects you to a fake website asking you to provide information. 
  • RCBC and RCBC Credit Cards will never ask you to provide a photo of your credit card to validate your account or transaction. 

    When in doubt, please report it immediately to RCBC Credit Cards Customer Service Hotline (02) 8888-1888.