![]() ![]() ®VISA is a registered trademark of VISA International. Qualifying purchases do not include balance transfers, cash advances (including purchases of items that can be traded immediately for cash, such as wire transfers, money orders, traveler’s checks), fees, interest charges, or for unauthorized or fraudulent transactions. May not be used to pay any Radiant Credit Union loan or VISA ®, Excludes Pledged VISA ®.ģOn qualifying purchases. rate of 9.49%, 10.90% or 13.90% Annual Percentage Rate (APR) for Radiant Credit Union Platinum VISA ® 10.99%, 12.40%, or 15.40% APR for Radiant Credit Union Platinum VISA ® with Rewards, based on your credit worthiness. This card is issued by Radiant Credit Union pursuant to a license from VISA ® U.S.A., Inc.ĢWith approved credit. Please call the credit union at (352) 381-5200 or 1-87 for any changes that may be in effect after. The rate you pay is based on your credit worthiness. They then match the magnetic information to the PIN and access your accounts.1All information is accurate as of and is subject to change. Subject to Credit Approval. Thieves may also install a hidden video camera that records you entering your PIN. When you swipe your card in the POS device to make a payment the information on the magnetic strip on your ATM card is copied and loaded onto a disk. The lap top is usually stored under the counter where the POS device is located. The thieves convince an employee to allow them to connect a lap top computer to the POS machine. Skimming is done at businesses that offer Point-of-Sale (POS) devices for you to pay with your ATM card, such as gas stations. They can then use your card at other ATMs and Point-of-Sale (POS) terminals. After you leave frustrated, and you're planning to contact the ATM owner the next morning, they remove your card with a pair of pliers. The thieves even go so far as to put up a sign on the ATM stating: "If your card gets stuck, enter your PIN three separate times to retrieve it." This gives them three tries to watch you enter your PIN. This is very common at drive-up ATMs where the user may not be paying attention to other people or cars nearby. They then get in line behind you and try to watch you enter your Personal Identification Number (PIN). They leave the ATM and wait for someone to attempt to use it. What happens is that thieves put a substance into the ATM card slot which will cause your card to stick inside the ATM. When you call you find that the card was not stuck in the ATM. In addition to the types of ATM fraud that most of us are now aware of, there are two new types of fraud that can clean out your account quickly - card withholding and skimming.Ĭard withholding occurs when your card gets stuck in the ATM, you can't get it out, and you leave the card in the ATM planning to contact the financial institution the next morning. Destroy old ATM cards immediately after receiving your replacement cards.Review your statement promptly to ensure all transactions are accurate.Make sure no one can see you entering your PIN or how much money you withdraw. Always make sure to retrieve your ATM card from the machine when the transaction is complete. ![]() If it is late at night, try to use a machine that is well lit and avoid dark, remote locations. Always be aware of your surroundings when using the ATM.Keep them to reconcile your account, then dispose of them properly when you get home. Don't throw away your ATM receipts at the ATM location.Never use your date of birth, social security number, license number or street address as a PIN - those are the first numbers a crook will try. ![]() Do not reveal your PIN to anyone not authorized to use the account.
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