How to protect a bank card from fraudsters

Perhaps some tips you may seem elementary, but it begins with them safety.

Methods of fraud with cards

Imagination is boundless criminals. Literally, there are new, more sophisticated ways every year. Consider the main ones.

Fraud with bank cards called carding.

Let's start with the "classics". You came to withdraw money at an ATM. Hurry up, literally on the run enter the PIN-code, while chatting on the phone. You have not even looked at the inconspicuous guy in a baseball cap and dark glasses, looking over your shoulder. But he was watching you very closely. He spied on and memorized the numbers that you entered. further elementary GOP stop - and farewell to the money.

Also, in the confusion can not see what is in front of you is not a real ATM, a fake. Because the device a hair's breadth as a real one. Stickers, instructions - everything right. You insert the card, enter the PIN-code and displayed on the screen: "Device Fault", "A system error occurred", "insufficient funds" or something like that. Well, it happens. You're going to find another ATM. But before you find it, the fraudsters will devastate your score. After all, with the help of

ATM-phantom they have already considered all the necessary data on your map.

often mimic ATMs malfunction. For example, late in the evening you return home and decide to pay cash on the way. Insert the card, enter the PIN-code, the sum of - everything is going fine. Kartopriomnik gave the card, but the tray where the money should appear, does not open. Broken? Probably! Around the dark, you need to call the bank and find out what happened. You moved just ten meters and the nimble thief already unstuck tape and took your money. Yes, the bill did not let a simple adhesive tape.

Another technique is called "Lebanese loop". This is when kartopriomnik inserted lasso of photographic film. If you get into it, the card will not pull out. As a rule, there is also a "assistant": "Yesterday I just ate an ATM card, I introduced just such a combination and the PIN-code, and it worked." You try fiasco and go for help to the bank. At this time, the Good Samaritan takes the card and goes to ravage her. PIN-code he knows. You have just entered it openly. Remember?

However, ATM can be present and even serviceable. This is not a problem if there are intruders skimmer. This device for reading information encoded on a magnetic strip card. Physically skimmer is a unit bill, attachable to kartopriomniku, while it looks as part of the ATM structure.

With the help of fraudsters transmitter receives information from the skimmer and produce counterfeit cards. They will enjoy skimmirovannoy card, but the money will be debited from the original account. Hence the name of the method - skimming, from the English "skim the cream".

How do they know the PIN-code? In addition to the skimmer they have other devices. For example, invoice keyboard. It fully simulates real, but stores typed keystrokes.

As an option - a miniature camera, aimed at the keyboard, and disguised as a box of leaflets.

Kind of skimming - Schimming. Instead of bulky pads used thin elegant dress that is inserted through kartopriomnik directly into the ATM. Next scheme is the same as when skimming. But the higher the degree of danger: see that the ATM "bug" is almost impossible. Consoles, however, that make quite difficult PWM - its thickness should not exceed 0.1 mm. Almost nanotechnology. :)

phishing - common way to online fraud. Most of you do not need to explain what it is. Maybe someone even received "a letter from the bank" with a request to link and clarify details. And phishing pages look like real, the same colors, fonts, logos, except for the annoying "typos" in the address bar.

Recently, more and more distributed subspecies of phishing - vishing. Simply put, on the phone divorce. Scammers call model answerphone. Frightening robotic voice tells you that your card has been blocked, or subjected to attack by hackers, or you urgently need to repay the debt on the loan. For more details call on such a number. You call, and courteous "operator" asks you to "verify" the card number, expiration date of its action, the verification code... As soon as you have dictated the last digit, you can say goodbye to your money. Until you come to, they have already spent in any online store.

By the way, due to the fact that for the use of a card necessarily her physical presence, fraudsters are increasingly used methods social engineering. So I was almost deceived.

I sold furniture. I place ads with photos on the famous site. Indicated number through which I could not pass no authentication. Soon, a man called. He introduced Basil, an employee of the firm, yielding apartments. He told me that they liked my sofa - take without looking! Money is now transferred to me on the map. No problems. I often buy on the Internet, for this purpose I have a special card. To charge it then was nothing but fill up - please. But one number the caller was not enough - the interlocutor asks for more expiration date and CVV2. I did not call, but Basil was offended. I said who I was and where I should go, and hung up.

Most cards are now tied to the phone number to use the SMS-message to confirm the operation or, for example, the entrance to the online bank. What did not make the criminals to get hold of the desired SIM-card: kidnapped phones, intercept SMS, make duplicates simok and so on.

Safety rules for the use of cards

Having a bank debit or credit card, we have an agreement banking and envelope with PIN-code. It is a pity that, in addition to this set are not applied memo to the elementary safety rules for cardholders. As it should have included the following recommendations.

• If possible, do yourself a hybrid card - a chip and a magnetic stripe (unfortunately, only cards with the chip is almost not used in Russia). Such a map is better protected against tampering and counterfeiting by skimming.
• Learn the PIN-code by heart. If there is no hope for memory, write it down on a piece of paper, but keep separate from the card.
• Never, under any circumstances, do not disclose to third parties the PIN-code and CVV2-code card, as well as its validity and to whom it is registered. No bank will not ask you for these details. And for the transfer of funds to your account you just a 16-digit number printed on the front of the card.
• Do not use the so-called payroll cards for settlements in the stores and online shopping payment. Money from the card account is better to translate the front or to set daily limits on all types of transactions.
• Choose ATMs located in the offices of banks or in protected locations equipped with video surveillance systems.
• Do not use suspicious ATM models. And before you insert the card into the terminal, inspect it. Is not there anything suspicious on your keyboard or kartopriomnike? a nearby tray strange advertising does not hang?
• Do not hesitate to close the keyboard and ask for the hand to move in the direction of very curious fellow in the queue. If you have problems, do not use the advice of "random helpers" - do not go anywhere, immediately call the bank and block the card.
• If you have lost your card, or if you have reason to believe that third parties have learned of its details, contact your bank immediately and lock it.

The easiest way to make a call. If the card you have on hand, customer service number can be seen on its reverse side. Typically, contact centers operate around the clock. If the card is still in the cash and you do not know your phone your bank, call the company that performs maintenance of the ATM service. The number must be entered at the terminal.

Also, find out about the possibilities and conditions of the insurance card at your bank. Some lending institutions have special programs to protect customers from fraud and reparations.

safety rules when using banking

Without leaving your home, you can take advantage of a large package of services. For example, to pay for anything or transfer money to your or someone else's expense.

Banking - online banking service.

Allocate Internet and SMS banking. The first allows you to carry out transactions through personal customer account on the bank's website or through the app, and the second includes information on transactions via SMS messages.

To use banking without the risk of losing money, the following basic precautions should be observed.

• Do not enter the Internet bank with foreign computers or unprotected public networks. If it still happened, at the end of the session, click "Exit" and clear the cache.
• On a personal computer, install the antivirus and update it in a timely manner. Use a modern version of the browser and email programs.
• Do not download files that you receive from untrusted sources, do not click on unreliable links. Do not open suspicious mail and immediately block their sender.
• Without need to enter any personal data, in addition to the username and password.
• Check the address bar. It should be used a secure HTTPS-compound. And the slightest discrepancy between the domain of the bank almost certainly means that you are on a phishing site.
• Think of a strong password to access the Members Area, as well as using one-time passwords, requested the banks to confirm the action in your account.

Remember! Banks do not send out messages about blocking of cards, and in a phone call not to inquire the confidential information and codes associated with customer cards.

To protect the SIM cards to which the card is linked, shall promptly notify the bank when you receive suspicious messages, and in any case does not call on these numbers in them. Inform the bank, if the change number or lost SIM-card. Set a password on the phone and do not remove the block from the screen, if someone else is watching your actions. If the SIM-card is decorated on you personally, then disable its replacement by proxy.

What if the scammers have written off the money from the card

Disputes between customers and banks are not uncommon. The first to learn of the unauthorized charges to their accounts, ask for their money back, and the latter often shrug: "You're all told to fraudsters."

In other words, the law delineates the responsibility of the bank and the client.

1. The Bank informed the client about the unauthorized transactions? If not, the responsibility lies entirely on the bank. If reported, proceed to step number 2.
2. The client informed the bank no later than the next working day following the notification from the bank that the operations were carried out without his (client's) consent? If not, the customer is responsible. If informed, go to step number 3.
3. The Bank was able to prove that the client has violated the procedure for the use of electronic money? If so, the customer is responsible. If not, the responsibility lies entirely on the bank and he is obliged to reimburse the customer the full amount of the disputed transaction.

Prerequisite to recover unauthorized debited bank is notified using the card without the consent of its holder.

Inform the bank that the card is being used by someone else, you need to not later than one dayFollowing the day when the client discovered the fraud.

Compliance with this deadline is very important. Overdue - for a refund, you can not count.

In addition, the client must remain in the hands of proof of notification. We are talking about the second instance of appeal to the bank with a note on the reception made by the authorized employee, or written notification of delivery to the address of the bank value of a registered letter with a list of investments.

Contacting the bank does not change and does not replace an appeal to law enforcement agencies.

conclusions

So, a short sequence of actions in the illicit funds are debited from the bank card is as follows:

1. Do not panic, call the bank and block the card. Plus, ask the operator to call the account balance and the last committed transaction.
2. During the day, we run to the bank and write a statement. Necessarily endorse an authorized bank employee a copy of the statement.
3. If a credit institution employees in any way interfere with it, and refuse to accept the application (completed forms, technical break and so on), appeal to the prosecutor.
4. Write a statement to the police. Especially if you are faced with a robbery or robbery.
5. We are waiting for a refund.

If the bank refuses to reimburse the funds debited from the card, citing, for example, a violation of the order of the use of electronic money, you can stand up for their rights in court.

see also

• How to protect elderly parents from telephone scams →
• 8 known techniques street crooks manipulators →
• Fraud on the Internet: how you can cheat in social networks →