SeaComm Federal Credit Union OFFICIAL BLOG

Three Things to Remove From Your Wallet or Purse

Your wallet can become a lot like a junk drawer you carry around. That much bulk can make your wallet or purse a serious hassle to carry. Even worse, though, you may be setting yourself up for identity theft. Here are three things you should never carry in a purse or wallet.

1. Your Social Security card

Chances are you only need your Social Security card on rare occasions. Carrying it around in your wallet could be a big mistake. Thieves can use your original Social Security card to apply for all kinds of unsecured debt in your name. Canceling your Social Security number and getting a new one is a complicated, time-consuming process, and you may be liable for the fraud that is committed before you complete it. Keep yourself safe, and get the card out of your wallet! Put it in a secure location in your home, like a lockable desk drawer, file cabinet or safety lock box.

For added protection, upgrade your basic checking account to a Benefits Plus® checking with SeaComm. Your membership entitles you to identity theft services, free annual credit reports, IDT Restoration Rescue® and more! You may even upgrade to Benefits Plus® Premium, which provides you with all of the advantages of a Benefits Plus® checking account, plus additional protection from Ultimate ID®, which includes:

  • 3 bureau credit monitoring
  • Internet monitoring
  • Instant inquiry alerts
  • Remediation and lost documentation replacement services.

 Click here to learn more or stop by your local SeaComm branch to enroll!

For complete information, terms, conditions and exclusions please visit www.benefits-plus.org or call 866-329-7587.

2. Receipts

This is by far the easiest way to accumulate paper in your wallet. Every single purchase generates a tiny slip of paper. Because you never know which might be needed later, you stick them all into your wallet or purse. Before you know it, you have a novel-sized stack of transactions.

This could be serious trouble if your purse or wallet is ever stolen or lost. While regulations prevent retailers from printing more than the last four digits of your credit card number on a receipt, that could be enough for someone to start building a profile of your purchases, especially when used with the rest of your wallet, like your driver’s license.

If you are in the habit of using receipts to track your purchases, think about going paperless. Use the SeaComm mobile app or NetTeller™ to conveniently access and monitor your account transactions! This information is encrypted to keep it out of the hands of malicious people, but still accessible to you if you need to check a purchase or balance your account.

3. Store credit cards

Every store offers its own card and typically offers incentives to use it, too. The catch? They usually have low credit limits and come with an incredibly high interest rate. Your SeaComm Visa® Platinum is the only credit card you will ever need in your wallet! Your SeaComm Visa® entitles you to consumer protection, with no annual fees and low-everyday rates! You will also earn one point for every $1 you spend through the ScoreCard Rewards program. You can use your points toward airline and travel services, cash back, or quality merchandise.

As a SeaComm member, you might already be pre-approved for a SeaComm Visa® through LoanEngine™, a loan pre-approval program that allows you to view and accept loan offers without having to come into a branch or fill out an application! If you qualify for a pre-approved offer, you will be presented with it through our SeaComm Mobile app or NetTeller™ in the “My Offers” tab, via email, and/or a letter through the mail.

You may accept offers immediately by following the prompts, or by calling into our call center at (800) 764-0566. Click here to login to your NetTeller™ to view your current offers! If you don’t have any offers at this time, be sure to check back every 60 days.

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