For all the conveniences of the digital age, rapid technological advancement in recent years has also paved the way for an uptick in online fraud and other financial crimes. Given these realities, you can’t expect just any credit card to protect your sensitive information from bad actors—you want the safest credit card available, and Maya’s Landers Cashback Everywhere Credit Card is your best option.
While it’s usually hailed for its impressive cashback benefits that let customers enjoy up to 5% cashback at Landers, 2% cashback on dining, and 1% cashback everywhere else*, this Maya credit card’s security features are equally robust. Maya provides you with a digital CVV for your card that we change every 24 hours to protect your card details. We also make it easy for you to replace your card, change your PIN, and set daily spending limits and other controls directly from your app. As the Philippines’ #1 digital bank, we’re fully licensed by the BSP and will always go the extra mile to remain compliant with any and all cybersecurity regulations in effect in the country. Hence, if you’ve been wondering, “Is Maya credit card safe?” then you can rest assured that the answer is an unconditional yes.
Of course, even the most secure systems need the support of their users to hold up effectively against every threat. You can complement our efforts to safeguard your credit card details by implementing the following best practices, which can help cut your risk of fraud down to near-zero:
Don't Use Public Wi-Fi for Transactions
If you’re only just learning about how to ensure safe transactions on your credit card, then one of the first things you should do is make sure you always transact on a secure network. Public wi-fi networks in coffee shops, malls, hotels, and airports are undeniably convenient, but they’re also prime targets for cybercriminals looking to intercept your data. Limit your activity on these networks to casual browsing, and avoid doing tasks involving sensitive information like online banking, even if it’s something seemingly simple like checking your account balance.
Shop on Secure Websites Only
The thrill of finding a great deal online can sometimes be overwhelming, but don’t let yourself get carried away without checking that the website you’re purchasing from is safe. Look for "https://" at the beginning of the URL and a padlock icon next to it. These indicators mean that the website encrypts your data, making it harder for hackers to access it. In addition, reading reviews and testimonials (and making sure they are not fake) is an effective way to verify that the online retailer has successfully facilitated secure online credit card transactions in the past. This may take some extra effort on your part, but protecting your information from fraudulent sites is always worth it.
Use Unique and Complex Passwords
Cyber threats are constantly evolving, and this makes it all the more important for you to create strong passwords for all your online accounts. Think of your password as the first line of defense against unauthorized access. Don’t use easily guessable information like birthdays or common words. Instead, use a mix of letters, numbers, and special characters to create strong passwords. Lastly, you definitely want to avoid the temptation to repeat passwords across different websites or platforms; consider using a password manager to keep track of them if you think you’ll have trouble remembering them all.
Enable Two-Factor Authentication (2FA) Whenever Possible
Two-factor authentication (2FA) requires you to provide a second form of identification, such as a text message code or authentication app prompt, in addition to your password. Hence, even if an unauthorized user does manage to guess your password, 2FA makes it much harder for them to access your accounts.
Enabling this feature on your Maya account and other financial services is a proactive step towards safeguarding your information, as it will also notify you of any suspicious login attempts. If you know that someone is trying to gain access to your accounts, you can then change your passwords and take other necessary steps to secure them.
Monitor Your Statements Regularly
Your credit card statements don’t just come in handy when the bills are due; they can help you quickly spot any unauthorized transactions on your card. Maya displays all your transactions and statements in-app to give you an easy way to monitor your spending. Review these regularly and don’t hesitate to report any suspicious activity as soon as you detect it so we can assist you in minimizing potential damage.
Be Wary of Phishing Scams
Phishing scams are a common tactic that cybercriminals use to trick you into providing personal information. These scams often come in the form of emails or messages that appear to be from legitimate sources, such as banks or service providers. Be cautious of any unsolicited communication asking for your credit card details or login information. Verify the authenticity of the sender by contacting the company directly through their official channels. As a rule of thumb, reputable organizations will never ask for sensitive information via email or text.
Report Lost, Stolen, or Damaged Cards Immediately
If your Maya Landers Cashback Everywhere Credit Card is lost, stolen, or damaged, it’s best to act quickly. You can report these issues directly to us and order a replacement card through the Maya app. As soon as we receive your report, we’ll immediately block your card to prevent unauthorized transactions and issue your replacement as soon as possible.
Protecting your credit card information requires a combination of robust security features and proactive user behavior. Simply follow the above tips and you can ensure that your Maya Landers Cashback Everywhere Credit Card is safe to use for any manner of transaction. You won’t get a better balance of rewarding benefits and strong security with any other product, so don’t hesitate to apply for your Maya credit card today.
*Transactions that don’t qualify include: cash in, cash advance, quasi cash purchases, casinos and gambling, fuel, supermarket, pharmaceuticals, utilities, telco, and government.
