Complete Guide to Protecting Your Identity on Social Media

Complete Guide to Protecting Your Identity on Social Media

Protect your identity on social media by following simple safety tips and using privacy settings smartly.

Key Takeaways

 

  • Small mistakes can lead to identity theft
  • Protecting your identity on social media from identity theft is easy
  • Limit your personal information on social media

 

Social media has become an integral part of our lives to connect with our friends and family. With the access to announce the major and minor events of our lives and send quick messages to our co-workers, social media has become a significant portion of our life. While most of us have an idea about maintaining privacy, some don't keep any filters and compromise with their privacy settings. Well, let us tell you that protecting privacy holds significance in more ways than you can ever realize.
 

With the rise of identity theft in the digital world, people have been wondering how they can protect their identity on social media sites . As the percentage of people using the internet nowadays has increased significantly, so have cyber-crimes. Your one mistake can allow the scammers to steal your identity and harm you in numerous ways.

Motives behind identity theft on social media

According to recent research, millions of people are affected by social media fraud each year. The scammers' tricks can tarnish your reputation as the ones connected with you might think that you are committing the crime or promoting hate speeches.
 

While many of them can do this for money, other scammers might want to push hate messages or can do this for personal reasons. The motives are multiple, but the main thing is to know how to protect your personal information on social media.
 

Be aware of how to protect the identity on social media


Use multi-factor authentication:

It is no longer challenging for hackers to access your social media sites. Today, username and password are not enough to safeguard your account. It would help if you always opt for multi-factor authentication to log in to your account.


Keep your personal information personal:

Omitting your personal information is better rather than sharing it on social media. Providing the information can help the scammers track your location. As a result, it makes it easy for hackers to retrieve the account.


Update your privacy settings:

Do not forget to update the privacy settings of your social media account. In this way, it will be hard for scammers to hack your account or get access to any personal information.


Delete the accounts that you no longer use:

Why keep the account active that you no longer use? Sometimes, you don't delete your old accounts and make new ones. But this is not recommended as scammers can get access to your old accounts. It is always recommended to delete any accounts that you no longer wish to use.


Better to keep your account locked:

You must have heard the saying ‘prevention is better than cure’. Well, you should stick to this if you want your identity on social media to be safe. Once you learn how to protect your personal information on social media, you will be at the reduced risk of losing your critical personal information on social media.

Likewise, if you are approached by someone pretending to be a Bajaj Finserv employee on social media, do verify before giving out your details.


Savdhaan Rahein. Safe Rahein.

Frequently asked questions

Block/Unblock

Card Limit

Fees and Charges

Other

Why is my Bajaj Finserv Insta EMI Card blocked and how can I unblock it?

Your Insta EMI Card could be blocked in line with the credit policies of Bajaj Finance Limited. There are several factors that determine this, such as:

  • If you do not maintain a good credit score.
  • If you fail to repay your due EMIs or your EMI bounces.
  • Your card can also be blocked if your payment record is inconsistent.
  • If we observe any suspicious or fraudulent activities on your card, we will block it for security purposes.

As a quarterly practice, we review the pre-approved offers available for our customers and make changes if needed. This gets communicated to you on your registered mobile number through an SMS.

If we have blocked your card as per our credit policy, you cannot unblock it at your end. However, you can view the reason for this and the criteria to unblock it. To do so, please click here.

Check your Insta EMI Card status

How can I know if my Bajaj Finserv Insta EMI Card is active?

You can easily check the status of your Bajaj Finserv Insta EMI Card on the Bajaj Finserv app and website. To view the status of your Insta EMI Card follow the below-mentioned steps:

  1. Go to Service section on the home page
  2. Click on view all under ‘Your Relations’
  3. Select the EMI Card for which you wish to view the details
  4. You will be able to view your card status

View your card details

How can I ensure that my Bajaj Finserv Insta EMI Card remains active?

To enjoy uninterrupted Insta EMI Card benefits, ensure that your EMIs are paid on time and maintain a good credit score. Tip: Your credit score is based on overall credit and credit payment history across different loan types and credit institutions over a period of time.

Why has Bajaj Finance Limited reduced the pre-qualified loan offer amount on my Bajaj Finserv Insta EMI Card?

The pre-approved loan offer amount on your Bajaj Finserv Insta EMI Card is subject to change. These changes are governed by Bajaj Finance Limited. There are several factors that determine the card loan offer amount reduction. Some of these include:

  • Credit score: If you have a low credit score, the pre-approved loan offer amount can be reduced.
  • Repayment history: Your repayment history also affects the loan offer amount of your card.
  • Loan frequency: The frequency of loans availed by you using the Bajaj Finserv Insta EMI Card also affects your card loan offer amount.

We review the pre-approved card loan offer amount available to our customers periodically and make changes (either increase or decrease) if needed. These changes are communicated to you on your registered mobile number through an SMS.

Do you charge any annual charges on the Insta EMI Card?

If you have an Insta EMI Card but did not make any purchase in the last one year, you will need to pay annual charges. However, if you have bought at least one product with your Insta EMI Card in the preceding year, you’ll find that this charge is waived off.

For example, if the EMI Network Card is issued in Feb 2019 (referred to as "Member Since" on the EMI Network Card) the date for payment of the annual fee will be March 2020 (if there has been no loan booked from Feb 2019 to March 2020).

Check fees and charges

Do I need to pay any fee to keep my Bajaj Finserv Insta EMI Card active if I haven't used it for a long time?

You don’t have to pay any additional or annual fee to keep your Insta EMI Card active. Even if you have not used the card for a long time, your card will remain active until the end of the validity period (i.e. the 'Valid Till' date) mentioned on your card.

Can my friend or brother use my Insta EMI Card?

For security reasons, it’s recommended that only the cardholder use his/ her Bajaj Finserv Insta EMI Card. Loans taken against your card are your responsibility and you’ll be held liable if there’s delay in payments or default.

When will I receive a physical EMI Network Card?

While we used to issue physical EMI Network Card till a few years ago, the new Insta EMI Card is a virtual-only card. It packs in all the features of the physical card without the need to carry it around. You only need your Insta EMI Card number, and the OTP sent to your registered mobile number to complete a purchase.

You can find your Insta EMI Card number on the Bajaj Finserv app or by signing-in into Service Portal.

View your card details

With the Bajaj Finserv EMI Network Card now digitised, what will I do with my physical card?

While the EMI Network Card is now a virtual-only card, you can still use your physical card to make transactions. You can use this card for shopping on Bajaj Mall, other e-commerce destinations, and at our partner stores. Visit our customer portal – My Account to check details of your existing card.

Check your card details

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