Don't Fall Victim to FRAUD

Find out how you can protect yourself and your credit card account from people who want to get your personal information to gain access to your account.



Credit card fraud is the unauthorized use of an individual’s credit card or card information to make purchases, or to remove funds from the cardholder’s account.

Types of Credit Card Fraud and Prevention:


The act of fraudulently obtaining a person’s confidential or financial information by using an online resource such as electronic mail, social media and other internet-related methods. Information stolen may include online account names, log-in passwords, and other personal data.

PREVENTION: Do not respond to emails requesting for your card number, CVV/CVC (i.e. the 3-digit code found at the back of your card), or your One-Time Password (OTP).  RCBC Bankard will not ask for your OTP or CVV via phone or SMS.



The use of a small device to steal credit card or ATM information in an otherwise legitimate credit or debit card transaction. The device copies and stores all the details stored in the card’s magnetic stripe such as the credit card number, expiration date and the credit card holder’s full name.

PREVENTION: RCBC Bankard has issued EMV chip-enabled cards which make it more secure against skimming.


OTP Take-over

The One-Time Password (OTP) is issued whenever you do an online transaction at shop secure merchants.  Unscrupulous people might call asking for your OTP and CVV/CVC to make fraudulent purchases using your credit card.

PREVENTION: You should NEVER disclose your OTP to anyone. If anyone calls you to ask what your OTP is or asks you to provide the three-digit CVV/CVC number located in the signature panel of your card, hang up. This is a fraudster intending to use your OTP.



  • Be suspicious if an offer is too good to be true, and it requires you to provide your card information including sensitive details, such as the CVV, in order to avail of the offer.
  • After using your RCBC Bankard, keep it in your wallet. Do not allow anyone to take a photo of your card.
  • Don’t just leave your credit card statements lying around. If you have to dispose of it, shred it or tear it up into little pieces.
  • Never sign a blank credit card transaction receipt. In fact, double check all the numbers and details of purchase before signing it.
  • Report lost or stolen cards immediately to avoid fraudulent charges that you may be required to pay.
  • Review your monthly billing statements diligently. If there are charges that you don’t remember making, immediately report this to RCBC Bankard’s Customer Service hotline.
  • Make strong passwords and keep these safe. Never divulge them to anyone or write them down on a piece of paper that may fall into the wrong hands.
  • If you receive any suspicious emails, SMS, or phone calls, immediately report the incident to our Customer Service Hotline 888-1-888.
  • Remember to make use of the security benefits of your RCBC Bankard. Enroll your cards in Spend Monitor so you’ll receive an alert whenever you or your supplementary cardholder/s use your card/s.

Together, let’s ensure that your card transactions are safe and that you’ll enjoy all the benefits of being an RCBC Bankard cardholder.


Want an RCBC Bankard? Apply Now.

Rizal Commercial Banking Corporation (RCBC) is regulated by the Bangko Sentral ng Pilipinas (BSP).  For inquiries and complaints in relation to RCBC Bankard Credit Cards, please call RCBC Bankard Customer Service Hotline at (02) 888-1888, send an email at, or the BSP Financial Consumer Protection Department at (02) 708-7087.