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If you keep your credit card in your iPhone case, change this setting now

Some best iphone cases also work as wallets, allowing you to carry your phone, credit cards and more in a slim package. But it also means putting your sensitive belongings in the same basket. If you lose your iPhone and its case or someone steals them, the thief might have everything they need to commit credit card fraud. If you want to avoid this, you can change your iPhone settings to prevent others from accessing your phone and bank account.

If someone has your credit card information and is trying to make a large purchase, your bank may text you asking you to verify it. If an unauthorized person also has your iPhone, they could reply to your bank’s message and verify the purchase without unlocking your iPhone. A Reddit user recently wrote that a thief charged his card over $9,000 when this happened to him.

Replying to messages from the lock screen was first introduced in iOS8. When you receive an SMS notification, you can swipe the SMS notifications left on the lock screen to display an option to reply to the message. If you tap this option, you can create and send a reply without unlocking your iPhone.

Responding to messages from your iPhone’s lock screen is easy for you – and for scammers. Fortunately, you can protect yourself by disabling this feature. Here’s how to disable replying from the lock screen.

Disable Reply from lock screen

1. Faucet Settings.

2. Faucet Face ID and password.

3. Enter your Access code.

4. Go to Reply with a message below Allow access when locked and tap the slider to turn off.

Now, when you receive a text message, you must unlock your phone to reply.

Disable other lock screen features

There are other features that you – and anyone else – can access from your lock screen without unlocking your iPhone, like Siri. Without unlocking your phone, you or someone else can make phone calls, send texts, and find certain devices your iPhone has connected to, like your car, just by asking Siri. Someone with access to your iPhone could track your car’s location if this setting is enabled.

Features accessible from your iPhone lock screen without unlocking your phone

Some of the features you can access from your iPhone lock screen without unlocking your phone include Siri and your Wallet app.

Zach McAuliffe/CNET

You can also access your Home app without unlocking your iPhone lock screen. In the Home app, you can see smart home devices connected to your phone, such as lights and security equipment and all digital door locks. Someone with access to your iPhone could monitor your security cameras and door locks, potentially giving them access to your home if you left doors unlocked.

There is also an option to access your Wallet app without unlocking your iPhone. Someone might have trouble sending money directly from the app, but someone could use your iPhone to access digital keys or pay for a fare without unlocking your screen.

The process for disabling these features is the same as before.

1. Faucet Settings.

2. Faucet Face ID and password.

3. Enter your Access code.

4. Below Allow access when lockedtap the sliders next to the features you want to disable.

You can disable the features mentioned above, or you can disable all features so that your lock screen is really locked for everyone but you.

Disabling these features will not affect the notifications you receive on your lock screen. (To change this you need to go to Settings > Notifications.) You simply won’t be able to interact with these notifications until you unlock your screen, which will help protect your security and privacy in case you lose your iPhone.

To find out more, see other settings to keep off your lock screen And how and why to use find my app on your iphone.

If you keep your credit card in your iPhone case, change this setting now

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