Consumer advice
The UK Cards Association continues the APACS role of providing cardholders with useful advice. This section is being developed and more helpful information and advice will be added soon.
- General Advice Guides – Getting the most from your Cards
- Fraud Prevention Guides – Safeguarding your Cards
- Advice for Victims of Card Fraud
General Advice Guides – Getting the most from your Cards
- [PDF] - University of Cambridge fraud claims (March 2010)
[PDF] Cards - a guide for young people (February 2010)
[PDF] Cards - a guide for parents (February 2010)
[PDF] Advice guide issued to keep consumers well-informed when using their cards overseas (June 2009)
[PDF] A guide to Consumer Protection in the UK (November 2009)
[PDF] Changes being made by the Credit Card Industry to help Cardholders (December 2008)
[PDF] Payments & Accessibility (December 2008)
[PDF] Checking your Credit Record (November 2008)
[PDF] Choosing a Credit Card (October 2007)- [Word] Need help choosing a credit card - use our comparator tool
[PDF] Using a Credit Card (October 2007)
[PDF] Choosing Cards: a Guide for under 18s (September 2007)
[PDF] Using Cards: a Guide for Parents (September 2007)
[PDF] Payments in Retirement Advice Guide (May 2007)
[PDF] Understanding your Credit Card Statement (April 2007)
Fraud Prevention Advice – Keeping your Cards Safe
[PDF] Personal Security Plan 2008 (May 2008)
[PDF] Paying Safely Online Advice Guide (November 2007)
[PDF] Protect your PIN Advice Guide (August 2007)
The UK Cards Association works in partnership with Financial Fraud Action UK to communicate its messages on card fraud prevention - and has assisted Financial Fraud Action UK with the production of a number of publications which contain information about card fraud prevention. For more information see our fraud prevention page.
Back to topAdvice for Victims of Card Fraud
- If you are a victim of card fraud inform your bank or building society immediately.
- If you are a victim of theft and your card(s) has been stolen then you should also report the matter to the police.
- If someone else uses your card before you tell your bank or building society that it has been lost or stolen, or before you tell them that someone else knows your PIN, the most you will have to pay is £50. In practice the bank or building society will usually refund the full amount lost, but if you are shown to have acted fraudulently or without reasonable care, for example by keeping your PIN written down with your card, you may have to meet all the losses.



