You might have often heard people saying, sharing is caring. But this is not always true, especially when it comes to finances. There are certain financial details and secrets which should not be shared with anyone even your spouse and children. In this blog, we will discuss important financial details which should not be shared with anyone.
Your credit and debit cards will have information like card number, expiry date, and your name. Other than your name, you should never share any other details with anyone. This information is supposed to be kept secret as fraudsters can carry out an online transaction with the help of this information and steal your hard earned money. Without this information, fraudsters cannot misuse your card. So, make sure not to provide this information to anyone.
CVV or card verification number is a three-digit number printed on the back of your card. This number is very important to conduct online banking transactions. Without this information, you will not be able to complete any transaction. You must never share this information with anyone.
If you want to make any transactions through net banking, it is very important to have details like customer identification number and password. While fraudsters can misuse other details, the password cannot be misused without your knowledge. Make sure not to reveal your password with anyone. Also, develop the habit of changing your password frequently. Your password should be strong and secure. Avoid keeping your name and birth date as your password.
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It is very important to have personal identification numbers (PIN) of credit and debit cards to withdraw cash from ATMs or to make payment to merchants through your card. Without the PIN number, it is impossible to withdraw cash or swipe your card in a POS machine. So, never share personal identification numbers (PIN) of credit and debit cards with anyone. Also, don't let anyone look over your shoulder while withdrawing cash at ATMs.
One-time passwords or OTP is an important tool which helps you keep money safe, while conducting an online transaction. When you make payments using your card, e-wallet or net banking, on OTP will be sent to your email Id or registered mobile number. The transaction will be completed only if you enter the OTP. Do not share your OTP with anyone. In case you receive a call from someone who claims to be from your bank and asks you to provide OTP, report this to the police station. If you share your OTP with anyone, they will use it to steal money from your bank account.
You should not share important details like bank account number, PAN number, Aadhaar number, and insurance policy number with an unknown people over phone or email.