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7 proven rules to protect yourself from card theft

card theft

Card theft: How to protect yourself. Fraudsters know how not only to steal phones and wallets quietly, but also to withdraw money from bank cards. They came up with a lot of tricky ways to do this. In order not to fall into the trap of a fraudster, you must always follow seven important rules.


card theft

7 proven rules to protect yourself from card theft

Rule number 1. Do not share your passwords and codes with anyone.

The PIN code from the card is a secret that should not be disclosed to anyone. It’s better not to save it on your phone, much less write it on a card. And when entering the PIN code in an ATM or in a store, you should always cover the keyboard with your hand.

On the back of the card is a CVC / CVV code – three secret digits. They are needed to pay for purchases on the Internet. To prevent fraudsters from spending money on your card, in no case dictate or show anyone the CVC / CVV code.

Bank employees never ask for the code from the card, PIN-code, as well as codes from SMS that the bank sends. Only scammers are interested in secret codes. The deceiver is ready to pretend to be anyone, just to get them out: not only a bank employee, but also a relative, friend or even a stranger who is in trouble.

A stranger calls, apologizes and says that he accidentally indicated your phone number in some form. He asks to dictate a code to him, which by mistake came to you in SMS. This is definitely a scammer. Hang up immediately.

Fraudsters can pretend that they are your friends who supposedly want to throw money on your card. But for the transfer they need a card number, its validity period and a CVC / CVV code. This is also a hoax. In order to transfer money, a card number is enough. No other data – expiration date, owner name or code – is required.

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7 proven rules to protect yourself from card theft

Rule number 2. Connect SMS alerts on the card

This is necessary in order to immediately receive SMS from the bank about all actions on the card. For example, about all purchases that are paid by card. These messages must be read very carefully. If a message came about a purchase that you did not make, most likely the fraudster used the card.

It is worth immediately calling the bank, reporting a suspicious SMS and asking to block the card. The bank hotline number is on the back of the card. It is best to save this number in the contacts on your phone and in case of problems with the card, call only on it.

A message came that you were charged 1000 rubles for an unknown purchase from your card. And then SMS “from the security service” arrives that “a suspicious operation is taking place on the card.” To “cancel it”, they ask you to call back at an unknown phone number or follow the link. Oops, this is cheating again. Do not do this: the link is most likely a virus, and the phone number belongs to scammers.

7 proven rules to protect yourself from card theft

Rule number 3. Use antiviruses for protecting yourself from card theft

It is very important to install antivirus programs on all the devices you use – on a computer, tablet and mobile phone. Antivirus will protect against malicious programs and sites by which scammers steal money.

On the Internet you can find free versions of antivirus programs with limited functionality. The main thing is to download them from official application stores or on the sites of well-known antivirus developers.

7 proven rules to protect yourself from card theft

Rule number 4. Choose safe sites

card theft

Fraudsters create duplicate sites of popular online resources. For example, they can make a copy of the bank’s website or your favorite online store. If you enter your passwords, codes, card details there, they will get to scammers.

How to check the site?

  • Banking sites can be easily checked using the Yandex search engine. These sites of real banks have a special mark – a tick in the circle and the signature “CBR”. If there is no such icon, this is a scam site.
  • Usually, the name of a double site almost completely coincides with the name of some famous site, not counting a couple of letters. Therefore, you should always carefully check the address bar of your browser. Type the address of the site manually, and it is better to immediately save the official and verified sites in bookmarks.
  • Pay attention to the address of the resource. For a secure site, it starts with https: //. At the end of the address bar of the protected site there is an icon in the form of a closed lock. If the site does not have protection, you can not enter personal information and card data on it.
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Before entering card or passport data on any site, it is important to carefully study it, read reviews on the Internet.

Rule number 5. Do not pay for purchases from other people’s gadgets

You need to make purchases, go to the bank’s website or to the banking application only from a personal computer, tablet and phone. Set passwords on all your gadgets.

If you lose your phone or tablet, on which there was a banking mobile application and where notifications and passwords came, immediately call the bank. Ask to disconnect all services from this phone number and block access to the account from the lost gadget. Change the login and password from your personal account in the Internet bank.

When you restore your number from a mobile operator, you can reconnect SMS notifications to it.

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Rule number 6. Do not click on dubious links from messages

Never follow links from letters and SMS from strangers. It could be a malicious program that steals personal data.

But even if one of the friends sent the link, do not rush to open it. Fraudsters could log into someone else’s account and send messages on behalf of a friend.

For example, a message from a friend comes to the social network: “Look, pictures from my DR! They are just fire! ” A link or file archive is attached to the message. Do not immediately click on them. It’s better to call a friend or write in another social network and find out if this is spam.

Usually, Trojan programs are hidden behind such links and archives. They themselves are installed on the gadget, steal and fake your data, including the ability to transfer money from your accounts to fraudsters.

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Rule number 7. Double-check information

Fraudsters really hope that you will immediately believe them. They deliberately rush you so as not to give time to double-check the information. But in monetary matters one cannot rush.Most often scammers use such schemes:

  • A stranger calls and reports that your relatives or friends are in trouble. A fraudster will ask you to urgently transfer money to help them out. He hopes that you will be scared and deceive. Do not rush to transfer money: first call relatives or friends and check if they have everything in order.
  • SMS arrives that the money has been credited to you. The message is like a notification from a bank. A bummer calls immediately, says that he mistakenly transferred the money, and asks for it to be returned. Just drop the phone. Most likely, this is a fraudster, the money did not come to you, and SMS “from the bank” was fake. Call the bank and ask if the money came to the account. Better inform your parents and ask them to help you figure it out.
  • An acquaintance with whom you have not talked for a long time, suddenly writes on social networks and asks how are you. Correspondence begins, during which she suddenly asks to lend her money. This should immediately alert. Most likely, your friend’s account was hacked. And the fraudster is not at all interested in how you are doing – he needs your money. In no case do not translate anything. Write a friend in another messenger or call and ask if she really needs help. If this is a hoax, mark the message as spam and write a complaint to the social network administration.
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Do not forget that scammers are constantly inventing new schemes of fraud.

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“I participated in the contest on the Instagram social network about a month ago, where the prize was any thing that I choose on the page. I chose a thing, wrote to the organizers, after which I was offered to pay for delivery in the amount of 450 rubles. After that I was offered to follow the link … “

Be careful, do not step on another’s rake!

In no case should you pass on any sensitive information on the card to anyone – even to someone who introduced themselves as a bank employee. Never transfer money until you understand the situation. Tell your parents what happened. Call the bank yourself by the official hotline number and specify the information you are interested in. The main thing – do not rush.

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