You should not have to worry about your credit card security and privacy. At MBNA, we have taken specific measures to make sure your valuable information remains protected. With MBNA, you won't be held responsible for any unauthorized use of your credit device (i.e. card plastic), PIN or account number, provided you take reasonable steps to protect each of them against loss and theft and you cooperate fully with any investigation into any such unauthorized use. You can feel comfortable knowing your information is being valued and protected. See your Account Agreement for full details.
Your security is a top priority at MBNA. Our real-time fraud detection system monitors your account 24/7 days a week for any transactions that appear out of character or that we suspect may be fraudulent. Here are the key features you will get with your MBNA credit card:
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Visa Zero Liability Policy: Use your Visa® card to shop anywhere--whether it's on the Internet or in a store--and you are protected from unauthorized use of your VISA card. The Visa Zero Liability policy eliminates consumer liability for fraudulent transactions.
- Card Verification Value (CVV): All our of our VISA credit cards use a CVV code that can normally be found on the signature strip on the back of a credit card (the last 3 digits). The purpose of this is to verify that the genuine credit card is being used to make the purchase.
- Chip & PIN: All of our Visa credit cards use Chip & PIN technology, one of the most secure ways to pay by credit card. Instead of a signature, you will be asked to enter a 4-digit Personal Identification Number (PIN) known only to you. Learn more about Chip & PIN.
Expand What is Chip & PIN security?
Expand What is a Chip & PIN credit card and how does it work?
The introduction of Chip & PIN involves embedding a microchip into your credit card. The encrypted chip securely stores and processes data and provides enhanced security and protection to help guard against fraud.
Chip & PIN credit cards are virtually impossible to copy due to the encrypted chip in the card. When used at retail locations and automated teller machines (ATMs) with chip-enabled terminals, the system validates the chip as well as your PIN. This provides you with an extra layer of security above and beyond the chip, because your PIN is unique to you. Chip & PIN credit cards are the future of electronic payments.
Expand Are Chip & PIN credit cards more secure than other credit cards?
Yes. The encrypted chip from the Chip & PIN credit card includes a range of security measures that work together to provide multi-layered protection against fraud. The enhanced security features of Chip & PIN credit cards also make them virtually impossible to replicate and therefore less likely to be a target for criminals.
In addition, MBNA's fraud detection systems continue to protect you around-the-clock.
Expand Where can I use my Chip & PIN credit card?
Expand How can I use my Chip & PIN credit card to make a purchase?
When making a purchase using your chip credit card at a chip-enabled terminal, rather than swiping your credit card, you insert it into the terminal and leave it there for the entire transaction. The chip-enabled terminal will prompt you on next steps. You will enter your unique 4-digit PIN instead of verifying the transaction with a signature. Once the transaction is complete, remove your credit card when prompted. This completes the transaction.
Expand Will my Chip & PIN credit card be accepted at all ATM terminals?
Expand How does the chip technology work for online and telephone transactions?
Expand Will I be able to use my chip credit card for retail purchases and cash advances outside of Canada?
Expand How do I get a PIN for my Chip & PIN card?
Expand Do the other cardholders on my account need a PIN too?
Expand How can I protect my PIN number?
Expand How can I change my PIN or have it reset because I have forgotten it?
Visa payWave®: a faster way to pay
Visa payWave is a convenient feature that lets you pay with your card or mobile device by simply waving it over a secure reader instead of inserting or swiping your card. The purchase will then be authorized, processed and billed in the same secure way it is today. To use Visa payWave®, check for this symbol on your card. Once you have downloaded the mobile app to your phone, simply wave it and go.