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Safe online shopping — protect your credit and your identity

Every year Americans do more of their shopping online. And why not? Who wants to brave the crowds, parking, and long lines at the mall when you can do all your shopping at home with just your computer

and a credit card? And technologies like DSL and cable internet service have come down in price, making home broadband connections more the norm, and a high-speed WiFi connection could be just as c lose as the nearest coffee shop — the online shopping experience offers more every year.

But while the Internet is a more convenient way to shop than ever before, it is no more secure than going to the mall. The reason? Most online purchases are made with a credit card. While most established online merchants have taken

safeguards to ensure a secure shopping experience, and most card issuers will refund your account any loss due to fraud, there's still danger for the unwary shopper. Here are a few precautions you can take to minimize your risk of becoming a victim.

- Only use your credit card on a secure web site. Look for "https://" in the address bar and a lock or key in the bottom right of the browser.

- Make sure the merchant provides more than just an e-mail address  at least a phone number and mailing address).
- Use the same card for all your online purchases. If you have an instance of fraud or other problem, you won't have to contact multiple card issuers.

-Thoroughly review your bank statement as soon as possible. If you use your Pentagon Federal Visa Check Card, sign up for  "https://www.penfed.org/onlineBanking/activateServices.asp#eState&adcode=301&utm_source=

CGAUX&utm_medium=Email&utm_content=108&cmpid=Email-CGAUX-301-STATMENTNOTIFICATION-108"mail statement notification to get access to your checking account statement just as soon as it is prepared.

 You can also opt to receive "https://www.penfed.org/onlineBanking/eMailAlerts.asp?adcode=301&utm_source=CGAUX&utm_medium=Email&utm_content=108&cmpid=Email-CGAUX-301-EMAILALERTS-108"mail alerts from Pentagon Federal Credit Union that will notify you of account transactions providing a fast, convenient way to  track the use of your credit and debit cards and watch for any unauthorized use.

Something for you, something for the Auxiliary.
You like to shop for bargains, don't you? And a rebate is always a big plus. And if you could shop and benefit your Coast Guard Auxiliary Association, you'd do it, wouldn't you? Now when you shop with a Pentagon Federal Visa Platinum Cash Rewards card and reward yourself and your Coast Guard Auxiliary Association.

    * Earn 5.00% cash back from gas purchases paid at the pump

    * Earn 2.00% cash back on supermarket purchases*

    * Earn 1.00% cash back from all other purchases* you make with the card during each billing cycle

    * PLUS, .25% of your purchases supports your Coast Guard Auxiliary Association

    * No Annual Fee

    * Cash Rewards credited each month

    * No special restrictions to earn your cash rewards

    * 13.99% fixed APR -- lower than most rewards cards.

    * For a limited time only-- transfer your balances at 5.99% APR for the life of the transferred balance!

"https://www.penfed.org/productsAndRates/applyforloan.asp?product=CGAuxA%20Credit%20Card&adcode=301&utm_source=CGAUX&utm_medium=Email&utm_

content=108&cmpid=Email-CGAUX-301-APPLYNOW-108"

Apply online in minutes!
PenFed Online's ="https://www.penfed.org/productsAndRates/resourceCenter/overview.asp?adcode=301&utm_source=CGAUX&utm_medium=Email&utm_content=108&

cmpid=Email-CGAUX-301-RESOURCECENTER-108"

Resource Centerhas a wealth of information to combat

"https://www.penfed.org/productsAndRates/resourceCenter/protectingYour

CreditCardOnline/overview.asp?adcode=301&utm_source=CGAUX&utm_medium=Email&utm_

content=108&cmpid=Email-CGAUX-301-CCF

credit card  as well as ID theft and other scams. Pentagon Federal also takes rigorous steps to "https://www.penfed.org/productsAndRates/resourceCenter/preventingFraud/overview.asp?adcode=301&utm_source=CGAUX&utm_medium=Email&utm_

content=108&cmpid=Email-CGAUX-301-PREVENTFRAUD-108"

Protect your vital personal information from identity thieves and scammers.

Cash back on new monthly purchases minus returns and credits. Rewards are available only for new monthly purchases made with the card: cash advances, checks drawn from the account, and balance transfers are excluded and do not earn credit toward rewards. Certain limitations apply to the Visa Platinum Rewards Program.

*Certain restrictions may apply. Visa USA determines which stores are categorized as supermarkets.
A balance transfer fee of 1% (min. $10-max. $100) applies to this transaction.