How to steal money from plastic cards (8 ways)
Good to know & Interesting to read!
Each owner of a plastic card has heard a hundred times that the pin-code should be kept safe and sound, never give or show the number to anyone, and take care of the plastic itself, like the apple of one's eye.
We will not repeat such banal advice. It is better to talk about the most common methods of card fraud. As it turns out, even a simple cash withdrawal at an ATM can end in tears. Therefore, it is better to learn in advance about the possible tricks of scammers than one day because of not knowing them to part with their money.
Often, fraudsters use devices that, when installed on an ATM, help them get information about the card. At one time, a group of people were noted in Moscow, which installed special “tips” on the keyboards that outwardly repeated the original buttons. The cardholder withdrew money from the account without any problems, but at the same time, the fake keyboard memorized all keystrokes - of course, including the pin code. Tip: read the keyboard of an unfamiliar ATM carefully before withdrawing money from the account.
Another device is what the English call lebanese loops. These are plastic envelopes, the size of which is slightly larger than the size of the card - they are placed in the slot of the ATM. The owner of the credit card is trying to withdraw money, but the ATM cannot read the data from the magnetic strip. In addition, due to the design of the envelope, it is impossible to return the card. At this time, the attacker comes up and says that literally a day ago the same thing happened to him! To return the card, you just need to enter the pin-code and double-click on Cancel. The cardholder tries, and, of course, nothing happens. He decides that the card has remained at the ATM and leaves to contact the bank. The fraudster calmly pulls out a credit card along with an envelope with the help of some simple improvised means. He already knows the pin-code - the owner (now former) of the "plastic" himself introduced it in the presence of a swindler. A thief can only withdraw money from the account.
It is technically difficult, but it is possible to intercept the data that the ATM sends to the bank in order to make sure that the requested amount of money is in the account. To do this, fraudsters need to connect to the appropriate cable, while not breaking it, and read the necessary data. Considering that the relevant instructions are easily found in the public domain on the Internet, and technical progress does not stand still, it can be argued that this option will be more and more common.
In order to find out the pin code, some scammers leave a miniature video camera nearby. They themselves are at this time in the nearest car with a laptop, on the screen of which the numbers entered by the cardholder are visible. Entering a PIN code, cover the keyboard with your free hand.
Expensive but true one hundred way. There are cases when fraudsters put their own "ATM" in a public place. True, for some reason he does not work (who will you surprise with this?), Naturally, he does not give out any money - but he successfully reads all the necessary data from the card. And then it turns out that yesterday you have already withdrawn all the money from the account and for some reason do not want to remember it!
At one time, fraudsters from the UAE installed special devices in the holes for credit cards, which memorized all the data about the card inserted into the ATM. The attackers could only spy the pin, either by the first and fourth methods described above, or tritely peeping from behind the shoulder. Well, the southern man liked your ring, or your watch, or something else ...
You can not fight him. You can only accept. Here, nothing depends on your care, caution, or forethought. It just happens that people who get to your credit cards are very easy to enter into an agreement with the fraudsters; employees of banks, for example. This happens very rarely, but no one is immune from such cases.
In Ukraine, the scale of the activity of carders (people involved in scams with plastic cards) is still small.
The most common type of fraud: criminals get the card details for the purpose of their further use for purchases in online stores. It is not necessary to make a copy of the card, but it is even easier to spend other people's money.
So far, they copy the cards themselves quite rarely: in most Russian stores, when paying with plastic, they are asked to show a passport, and a passport fake is not only an extra headache, but also another article of the Criminal Code. If someone is engaged in this type of activity with us, then most often the “left” cards are sold to the West or are meant for Russian citizens going on tours.
And the last. Do not doubt: the ways of the eighth, ninth, etc. too. And they will appear more and more often: demand, as you know, always gives rise to supply. And the petty genius and villainy are very common things.