Summer is just around the corner. Therefore, there are many people who prepare their vacations for their vacations, holidays, vacations, for the purpose of having new experiences or simply visiting family and friends.
In this context, more and more People who use debit or credit cards to make purchases. In fact, according to the latest data released by the Bank of Spain (2022), Card usage to buy 21%.
However, just as the number of payments made with cards has increased, grew up fraud produced through these. One of the best known is what is called scanning.
According to the National Cyber Security Institute (INCIBE), scanning (comes from the word cardsmeans card in English) consists of: get credit or debit card information and make small expenses with them at first and big transactions at the end.
Information about the victim’s cards is obtained through the following techniques: HE phishing or user databases compromised websites, among other means.
Once the criminal has everything he needs, he starts paying small additional fees. make sure the information you have about the card is valid. Likewise, it is possible to have an idea about which balance the card has access to. That’s when you can start making bigger accusations.
And what can be done avoid such scams? “The first thing to take into account is when a large number of transactions are predicted, for example Summer holiday“You are more likely to be the victim of a scam through our debit or credit cards,” says Banqmi expert Antonio Gallardo. Therefore, on these very important dates you should be more careful than ever.
The most important thing is to ensure that no one can access your card information used for normal operations. This information is the card number, expiration date, PIN number (four digits used to confirm purchases) and security code (known as CVV). Likewise, the user should know whether the card in question has a daily spending limit and which account it belongs to.
On the other hand, when shopping in person with the card, make the information on this page not visible. This is because some criminals take advantage of these moments. capture data printed on cards. One solution is to use a mobile phone, digital clock, or buy a card where the data in question is not printed on plastic (organizations such as Santander, Banco Sabadell or BBVA offer them).
Recommended in case of using a mobile phone or digital watch. Disable NFC technology (which allows payment with these devices) when a transaction is not in progress. After all, a person can pass by the user and capture the card information via NFC technology.
For online shoppingin its place, It is best to use prepaid cards.. These do not have full access to the bank account, they need to be replenished, so if a thief breaks in, they can only steal your balance; You will not be able to access the user’s bank account.
Be careful with SMS. HE phishing It is still one of the most used methods to get information about debit cards. Fraudster, victim bank, cargo service, etc. sends a message that behaves like and clicking on a link that appears in the message asks for some information to be provided. By entering the data on that platform, the scammer will be sent directly.
No need to save card data on paper. Card password or similar information should not be written on any piece of paper as it can be accessed by a fraudster. Regarding this point, if a user wants Keep printed purchase receipts in a safe place for the reason just mentioned. for scammers knowledge is keytherefore, the harder it is to access it, the safer consumers will be.
Source: Informacion
James Sean is a writer for “Social Bites”. He covers a wide range of topics, bringing the latest news and developments to his readers. With a keen sense of what’s important and a passion for writing, James delivers unique and insightful articles that keep his readers informed and engaged.