Among the different types of scams created by unscrupulous people, interested only in making money by deceiving others, there are also credit card scamswhich are implemented in many different ways.
Below we will present some of the most common ways to carry out this kind of scams and some tricks to put into practice to be able to defend yourself in time.
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Credit card scams: phishing
Il phishing represents one of the most well-known and widespread types of scams, but despite having been talking about it for some time, it continues to claim victims, especially among people of a certain age.
In practice, you will receive a fake email or an SMS (in this case we are talking about smishing) from a company (in this case from your bank, therefore from the credit card issuer), within which there may be different messages.
Among the most common, we find one fake violation of your current account (the one connected to the card). There will be a link in the email that you are invited to click to enter your current account access credentials (username and password).
The page that opens will certainly not be the one to access your current account, but a landing page created to be able to obtain access data in a fraudulent way to someone’s checking account.
The email may also contain a communication in which the customer is warned that his credit card has been blocked and who can only unlock it by entering its data on the page that will open by clicking on the link received.
To defend against this scam on credit cards and current accounts it is important:
- remember that a bank or credit institution he will never send such communications to your customer and that, if you receive them, you can immediately contact the customer service of the same, to ask for more information e report the scam;
- never click on links received from accounts of dubious origin. In this regard, it is always advisable to verify the email address from which the fake communication was sent or the telephone number. Trivially, just google them to see if anyone has already reported them as a scam.
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Credit card scams: PIN stealing and cloning
Always be very careful when entering a credit card PIN, even if you are withdrawing cash at an ATM. In fact, there could be some attacker ready to write down the PIN, looking sideways while the withdrawal is being made, and then steal the card.
In addition, the ATM counter may also have been compromised by more experienced scammers, who use a skimmer to stop the money being dispensed and store card data. It is also good to check that no micro-cameras have been installed near the ATM and, when possible, make a cardless withdrawal, i.e. without inserting the card.
In general, we also recommend:
- from never tell anyone your PIN your card;
- not to write the PIN on slips of paper placed inside the wallet or on the mobile phone, between the notes, because it will be enough to steal these two objects to easily take possession not only of the card, but also of its PIN.
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As for the case your own card was cloned, with tricks of different types, there are preventive systems to realize this. In particular, it involves activating an alert system via SMS or email, with which it is possible receive notifications in real time, very useful if someone is using their card improperly. In that case, it could block your credit card from the connected app and then contact the bank to report what happened (and then try to recover the lost money).
Credit card scams: POS, online and bank
We close this article on the main credit card scams with 3 other types of deceptions. The first is the POS scamwith which the merchants make the customer pay a higher amount than the one due, or carry out more consecutive operations of the same amount, without the customer realizing it.
Then there are:
- the online shopping scamsspecifically those carried out on unreliable sites, which do not comply with the minimum security standards (see the presence of a padlock during payment) currently required;
- the bank scam, similar to that of phishing, which occurs through a fake phone call from the bank, or through the door to door. The scammer’s goal will be to get hold of his credit card and, in particular, the PIN, by any means at his disposal. A real bank would never do anything like this.