Paying with a card has become so natural that on many occasions we already do it without thinking, but be very careful, always take the greatest precautions to avoid being a victim of fraud that can affect the stability of your personal finances.
Paying with a credit or debit card is very practical, since it avoids carrying cash. However, if you are not careful, in the blink of an eye you can be ripped off.
WHAT IS CREDIT CARD FRAUD?
Criminals are always evolving, and credit or debit card fraud, whether through theft, loss or cloning, is one of their favorites, which is why this crime is one of the fastest growing in the world.
With this amount of plastics on the market, criminals have devised all kinds of tricks to steal personal information or your card that allows them to make purchases in your name, so that in the end they leave you with a debt that you never acquired.
HOW DO I KNOW WHO USED MY DEBIT CARD ONLINE?
Criminals have endless ways to scam your credit card, mainly by stealing your data or cloning plastic, but you can always minimize your risk with a few simple precautionary steps.
You must bear in mind that you can be a victim of the theft of your card data either when you buy physically, both online as CVV dumps or even by phone.
HOW DO THEY DO CREDIT CARD FRAUD ONLINE?
- Cloning. By means of sophisticated devices, criminals copy the information on your card once you swipe at the point of sale terminal to make the payment, but it also occurs when you enter your card details in a fake site of an internet store, previously Created to fool you
- Great change. In this case, more than the use of technology, the main characteristic of the offender is that of deception, as he takes advantage of an opportunity to change your card for a false one. This can occur when making a physical purchase or at an ATM.
- Theft of numbers. Here the thieves focus on obtaining key information, such as card number, expiration date and security code. For this they can be passed through your bank in a phone call, or go to extremes such as checking your garbage in search of account statements.
- Hacking. It is the most sophisticated way and used by people with great computer skills. In these cases, they can focus on a single person or on databases of banks or large companies such as Visa or MasterCard.
Keep in mind that in all cases criminals use deceptive emails, fake phone calls or information theft programs.
