Credit card fraud detection & avoiding identity theft

Credit card fraud and identity theft can feel like distant threats, but they can strike unexpectedly. With a few smart habits and a little awareness, you can reduce your risk and keep your personal information out of the wrong hands. Here are some simple, effective tips on how to detect credit card fraud and avoid identity theft in your everyday life.

How to avoid identity theft

Keep your devices updated

Software updates often include a security patch that can help keep you protected against the latest threats. Make sure your phone, computer, and apps are always running the latest versions. You can install antivirus software for an extra bit of protection.

Be safe when shopping online

Only enter your credit card details if a website is secure. Look out for “https” in the URL and a lock icon in the browser. Avoid shopping using public Wi-Fi and consider using services like PayPal where there is extra protection for your card details.

Use strong, unique passwords

When protecting yourself from online credit card fraud, your passwords play a key part in keeping your details safe. Use different passwords for each account, and make them strong with letters, numbers and symbols.

Be careful with emails and messages

Phishing scams often mimic real messages from trusted businesses, or even friends. To avoid identity theft, don’t ever click on a link if you are unsure. Instead, contact the company directly through their official website. For further details please see our blog on how to prevent and manage fraud. You can also check out our Security Centre for more information.

How to detect credit card fraud

Shred personal documents

Old bank statements, utility bills, and medical records can be great tools for identity thieves. Shred any documents that contain personal information before you throw them out, and keep important papers in a safe place. Making sure there is little information available to criminals is key to avoiding identity theft.

Monitor personal accounts

Keeping an eye on your bank and credit card statements is one of the easiest ways to detect credit card fraud early. Set up alerts for spending over a certain amount and check your accounts weekly to ensure everything looks as it should. Make sure to be extra careful when on holiday, as the risk generally rises when travelling abroad. For specific holiday tips visit our credit card fraud tips for holidays blog.

Report anything unusual right away

If you think you’ve been targeted by fraud or identity theft, contact your bank or credit card provider as soon as you can. Acting quickly gives you the best chance of reducing any damage and recovering lost money.

Stay smart, stay safe

Avoiding credit card fraud and identity theft can seem impossible these days, but taking a few of the simple steps above can make a big difference. Think of these steps as a way to keep your finances healthy, just like budgeting.

Stay Safe with Avant Money

If you’re looking for a credit card, consider the Avant Money One Card or Everyday+ Card. Each includes smart features like transaction alerts in real time and the option to freeze or unfreeze your card in an instant, helping you stay in control and protected against fraud.

One Card

Variable interest rate 16.8%. Typical APR 22.9% (Annual Percentage Rate) includes government stamp duty of €30.

Representative example: assuming credit limit of €1,500 repaid in 12 equal monthly instalments, total amount repayable is €1,666.50. Total cost of credit is €166.50.

Everyday+

Variable interest rate 20.8%. Typical APR 22.9% (Annual Percentage Rate) Representative example: Assuming a credit limit of €1,500 drawn down in one transaction and repaid over 12 months in equal monthly instalments, total amount payable is €1669.00. The cost of credit is €169.00.

Lending criteria, terms and conditions apply. Avant Money Credit Cards are only available to customers over the age of 18 and resident of Republic of Ireland. Rates correct as of 20th March 2026 and are subject to change.

Bankinter S.A., trading as Avant Money, is authorised by the Banco de España in Spain and is regulated by the Central Bank of Ireland for consumer protection rules.