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There are several ways to protect yourself online, and using strong passwords is one of them. Unfortunately, even now, people still use passwords like “12345678” or “password.” Sure, they’re easy to remember, but that makes them just as easy to hack.
 

Also known as multi- or two-factor authentication or login approval that provides an extra layer of security beyond your username and password. When using this security mechanism, you will log in using your password and then be prompted to verify your identity again. This second verification is usually done via a biometric (fingerprint or face scan), security keys or a unique one-time code through an app on your mobile device.
 

Most computers have auto-saving or remember me features for logins and passwords. Avoid using these features as much as possible as they can be used by fraudsters when your device gets stolen or lost.

Check if businesses or organizations are duly registered with the Securities and Exchange Commission (SEC), Dept. of Trade and Industry (DTI), Dept. of Social Welfare and Development (DSWD), Bangko Sentral ng Pilipinas (BSP), etc. before making any transactions.
To ensure your passwords are strong as possible you can try doing this:
– Make your password long
– Make your password a nonsense phrase
– Include numbers, symbols, and uppercase and lowercase letters
– Avoid using obvious personal information (birthday, address, pet’s name, etc.)
– Do not reuse passwords; Change them several times per year

Avoid sharing personal information such as your address, mother’s maiden name, telephone number, social security number, bank account number or email-address both online and offline. Keep your personal identification cards secure and your online credentials safe. Only input your personal information in reliable sites and portals when online.

Most banks and credit card companies offer SMS or email alerts for every transaction. Enroll in this service as it enables rapid identification of unauthorized charges, allowing you to quickly report compromised cards.

When shopping online, prioritize well-known and reputable websites. Always ensure the website's URL begins with "https" and displays a padlock icon in the address bar, indicating a secure connection.

Consistently monitor your bank and credit card statements for any suspicious or unrecognized transactions. 

If you have a Home Credit loan, you can check the Home Credit App for easier monitoring. Should you observe any unrecognized transactions, please immediately call the Customer Service hotline at (02) 7753-5711.

Don’t share your credit card details, such as 16-digit number, CVV, and OTP, to anyone. Remember that surrendering any of this information can lead to credit card scam.