Year-end purchases: avoid becoming a victim of theft or electronic fraud

Shopping season has begun the end of the yearwhere Peruvians take advantage of the opportunity to acquire present for their loved ones and for this they do not stop looking at offers, especially those presented at the end of the year.

While there are different payment methods, according to research by Ipsos, about 14.9 million Peruvians make payments using this method. shopping.

Of the total, 89% will use Money in cash to buy their products, and 33% of consumers will use debit cards.

There will also be 16% who prefer to pay with mobile wallets, and another 15% will use credit cards.

Since use electronic media will often, the CEO of the Peruvian Association of Insurance Companies (Apeseg) Eduardo Chavez de Pierola gave several recommendations to avoid becoming a victim financial robberies.

How to avoid becoming a victim of theft or electronic fraud?

1. Buy from authorized places.

2. Don’t lose sight of your credit card or write off at the checkout.

3. If you are buying online, make sure the site has security certificates.

4. Review your card movements.

Chavez also believes that people should be concerned about insurance to protect their cards so that they are protected and do not become victims of theft.

This type of insurance costs from 10 soles per month and can reimburse you for the entire stolen mondo, or as agreed in the contract.

“Concluding a card insurance contract is also a way to protect both money and personal data, especially in these times when there are a lot of offers and people tend to buy more,” Chavez de Pierola said.

What coverage does card insurance provide?

– Improper use of the card in connection with robbery, theft, cloning or kidnapping.

– Fraudulent purchases in retail premises and on the Internet.

– Compensation for accidental death, temporary or permanent disability.

– Shoplifting

– Hospitalization due to robbery, assault and kidnapping.

– Reimbursement of expenses for duplicate documents (for example, identity card, passport, driver’s license, etc.).

What should I do if I have been the victim of my cards being stolen?

The first thing you should do is contact the financial institution to block it immediately. You must then file a police report within 48 hours, it is important to have a backup of the fact.

If you have insurance, be sure to contact your bank or insurance company offices, where they will advise you on what documents you need to provide and what actions to take. (Andean)