Credit or debit card fraud can strike anyone. But you can help prevent your account information and personal data from being compromised.

Here are a few ways you can reduce your risk of fraud:

• Use credit and debit cards with EMV chips. EMV chips make it more difficult to hack your information. You can still swipe your card if a merchant doesn’t have chip-enabled technology, but you won’t get the security benefits of the EMV technology.
• Watch out for phishing scams. Don’t click on emails or texts that look suspicious. Fraudsters use phishing emails to trick you into entering your personal information including account numbers, logins, passwords and more.
• Fill out your credit card receipts completely. Don’t leave the spaces on your receipts for “tip” and “total” blank because someone could write in a dollar amount. Instead, put a line through the spaces or write $0.
• Shred documents with sensitive information. Criminals have been known to go through trash to obtain enough information to commit fraud.
• Review your credit card and bank statements monthly. If you notice any transactions you don’t recognize, immediately report the unauthorized activity

Even if you take all these precautions, it’s impossible to completely prevent fraud. Fortunately, your Premier America debit and credit cards have zero liability protection, which means if your card is used without your permission, you’re not responsible for fraudulent purchases.