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Debit Card Compromise
Receiving notice that your debit or credit card has been "compromised" can be unsettling. Unfortunately, this type of fraud is prevalent throughout the United States. Periodically, Infuze Credit Union is notified by MasterCard® that a compromise has occurred.
To be clear, Infuze Credit Union’s computer systems are not a part of a card compromise. In most cases, the breach occurs at a business that accepts or processes debit and credit card transactions, such as major department stores, grocery stores or movie theaters.
When a compromise affecting your card occurs, Infuze Credit Union receives information from multiple outside sources such as MasterCard, or law enforcement agencies. Due to the sensitivity of the information, details specific to the breach are not always disclosed to us. Therefore, we are often unable to provide the name of the merchant or where the data breach has occurred.
What to Expect
If we receive a report that your card information is compromised, we will take every step to ensure the security of your card and accounts with Infuze Credit Union. If we are notified that your card number has been compromised, we will reissue your card with a different number. Depending upon the nature and severity of the compromise, we may cancel your compromised card before you receive a new card.
A compromised card notice from Infuze Credit Union does not necessarily mean any fraudulent activity occurred on your account. A compromised card means that information, such as card number and name, has been obtained by an unauthorized source, and could be utilized to create a fraudulent card. By notifying you, we are taking every precaution to ensure your card information and accounts at the credit union are handled with the highest level of safety and security.
We know how frustrating and inconvenient having your debit card compromised can be, but please know that the security of your financial information is our top priority.
What does it mean that my card may have been compromised?
A compromised card means that information, such as card number and name, may have been obtained by an unauthorized source. To be clear, Infuze Credit Union’s computer systems are not a part of the compromise. In most cases, the breach occurs at the location that accepts or processes debit and credit card transactions, such as a major department store, grocery store or movie theater.
How long does it take to receive a replacement card and PIN?
You may visit any branch to receive a replacement card and PIN immediately. However, if you are unable to visit a branch, a replacement card will be mailed via USPS. New cards should be received in 7 to 10 business days. For your security, PINs will be sent separately, 1-2 days before or after the card. New cards will be sent to the address currently on file for your card. For this reason, it is important for Infuze CU to have the most up-to-date addresses and phone numbers to avoid any delay in receiving your new card.
Will I be told where the compromise took place?
In many cases, due to the sensitivity of the information, detail specific to the breach is not always disclosed to us. Therefore, we are often unable to provide the name of the merchant or where the data breach has occurred. This is usually since there are still ongoing investigations into the breach.
What if I discover fraud on my account?
Call us immediately. We will work with you to complete any necessary paperwork and refund any fraudulent charges to you. As always, MasterCard debit cardholders are protected from fraudulent activity if reported within the time frame outlined in the Terms and Conditions of your account.
What if I have recurring payments scheduled with my compromised card?
Once you have received your new debit card, you will need to contact each company or merchant who debits your card account to update your card number. We understand that some of these steps pose an inconvenience to you. We sincerely apologize and do everything we can to minimize the inconvenience.