Credit Card Clone
Credit card fraud is a huge problem and it's getting worse.
But it's not card theft that poses the greatest problem - it's card cloning.
Cloning a credit card takes seconds. Whilst a card is being swiped for payment - dishonest staff can swipe the card details which are downloaded on computer.
Watch this video to see how Credit cards are cloned in no time.
TOP TIPS TO AVOID CREDIT CARD FRAUD
Theft of the card:
It's physically stolen from your bag or wallet, or home, and an impostor pretends to be you to obtain goods or services.
Cloning (also called 'skimming'):
An employee of a shop, petrol station, or restaurant puts your card into an electronic reading device and steals your card details.
Card-not-present fraud:
Details may be obtained from card theft, skimming or going through someone's receipts, or copying down details during a transaction.
Goods or services are fraudulently obtained by buying over the phone, internet, from mail order or fax.
To prevent card fraud:
Keep your cards and cheque books safe, and do not let anyone know your PIN numbers even if they say they're from the police or the credit card company.
When paying by card, don't let it out of your sight.
Only use secure, well-known internet sites when shopping online.
Always check bank and credit card statements carefully, and query anything you don't recognise immediately.
Be careful when disposing of bank statements and credit card receipts. Criminals search dustbins for these.
If you think your card is stolen or copied:
Call your card issuer immediately.
Your card will be cancelled by the issuer. If you still have it in your possession, remember not to use it again. Check with a credit reference agency such as Experian or Equifax to make sure no fraudulent applications for credit have been made in your name.
But it's not card theft that poses the greatest problem - it's card cloning.
Cloning a credit card takes seconds. Whilst a card is being swiped for payment - dishonest staff can swipe the card details which are downloaded on computer.
Watch this video to see how Credit cards are cloned in no time.
TOP TIPS TO AVOID CREDIT CARD FRAUD
Theft of the card:
It's physically stolen from your bag or wallet, or home, and an impostor pretends to be you to obtain goods or services.
Cloning (also called 'skimming'):
An employee of a shop, petrol station, or restaurant puts your card into an electronic reading device and steals your card details.
Card-not-present fraud:
Details may be obtained from card theft, skimming or going through someone's receipts, or copying down details during a transaction.
Goods or services are fraudulently obtained by buying over the phone, internet, from mail order or fax.
To prevent card fraud:
Keep your cards and cheque books safe, and do not let anyone know your PIN numbers even if they say they're from the police or the credit card company.
When paying by card, don't let it out of your sight.
Only use secure, well-known internet sites when shopping online.
Always check bank and credit card statements carefully, and query anything you don't recognise immediately.
Be careful when disposing of bank statements and credit card receipts. Criminals search dustbins for these.
If you think your card is stolen or copied:
Call your card issuer immediately.
Your card will be cancelled by the issuer. If you still have it in your possession, remember not to use it again. Check with a credit reference agency such as Experian or Equifax to make sure no fraudulent applications for credit have been made in your name.
Labels: Crimes, Social Awareness, Technology
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Friday, November 16, 2007 at 9:03 AM.
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