The Loss Prevention Department helps merchants reduce the risk of credit card fraud by carefully monitoring merchants' daily transaction activity.

Major Reasons for Unauthorized Credit Card Transactions

• Reason #1: Merchants are not comparing the signature on the back of the card with the cardholder's signature
• Reason #2: Merchants must take the time to verify information that is given over the Internet or via the telephone. Because this is a non-face-to-face transaction, it is important to make certain that the person using the card is the cardholder. If need be, call the cardholder to confirm the order.
• Reason #3: Face-to-face transactions also require due diligence on the merchants' part. Check the credit card for the hologram, and make certain it bears no alteration marks.
• Reason #4: The merchant rushes through the transaction. Consumers who knowingly commit credit card fraud at a store wait for a busy time when it is unlikely that the merchant will scrutinize the card.