Security is built in
Credit should be a source of empowerment, not stress. While we provide bank-grade security to protect your account, staying in control of your financial journey means being aware of the tactics used by bad actors.
Online security & digital hygiene.
1. Online security: Your first line of defense
Modern credit belongs in a modern environment. Ensure your home Wi-Fi is encrypted with a strong password. Avoid managing your Vera account or making purchases on public Wi-Fi networks (like those in cafes or airports), as these are often unencrypted and vulnerable to "man-in-the-middle" intercepts.
2. Password and PIN security
Treat your credentials like your phone passcode. the keys to your home.
- Unique passwords: Never reuse passwords across different sites.
- The PIN protocol: Your personal identification number (PIN) is for your eyes only. Vera will never ask you for your PIN over the phone or via email.
Identifying threats.
3. Phishing: Spotting the fake
Phishing is an attempt to trick you into revealing sensitive info by pretending to be a trusted source.
The Vera standard: We will never send you an unsolicited link asking for login credentials or your Social Security number.
Check the source: Always verify that the sender's email address matches our official domain @vera.credit.
4. Social engineering: The art of manipulation
Fraudsters often use high-pressure tactics. If someone is rushing you to provide data or move money, it’s a red flag. Stay calm–legitimate institutions will give you time to verify information.
Proactive protection.
5. Sharing financial information online
Be mindful of your digital footprint. Avoid sharing photos of your physical Vera card on social platforms. Only shop on websites that use https:// and show a padlock icon.
6. Credit card fraud & virtual cards
Virtual cards: Use virtual cards for online subscriptions. If a merchant’s database is hacked, your primary card number remains untouched.
Real-time alerts: Enable push notifications to see every transaction the moment it happens.
Device & identity security.
7. Phone scams & SIM swapping
If you receive a suspicious call from Vera, hang up and call us back directly at 1-800-769-1306.
8. Mobile security
Your phone is your primary interface. Use biometrics (Face ID/Fingerprint ID) and keep the Vera app updated for the latest security patches.
9. Multi-factor authentication (MFA)
MFA adds a second layer of protection. Even if someone gets your password, they can’t access your account without a second verification step that only you can complete.
Reporting and response.
10. Lost or stolen physical card
Use the Vera app to freeze your card immediately. This prevents any new transactions while you look for it or wait for a replacement.
11. Report suspicious activity
Freeze your card: Open the app and use the "Freeze" toggle.
Contact us: Call our fraud team at 1-800-769-1306 or email vera.credit/privacy