For a year, plastic card holders lost almost a million rubles due to the actions of swindlers. Fraudsters use the main methods and rarely come up with new "schemes" for theft. If you know such "schemes" and be able to get out of them, then you can not worry about your savings - they are safe.
Double pay
Not all people are honest. Sellers are no exception. It is possible that this really happened by accident, however, there are workers who profit from it.
When a customer pays for a purchase with a plastic card in a supermarket or any other store, the seller can cheat and, taking advantage of the customer's carelessness, collect an amount much higher than the original price. However, this is done less and less. But to declare that the operation did not go through, and it is worth attaching the card again, they can quite.
If the operation really did not go through, an honest seller will issue a check with an error. The dishonest will take the amount twice and issue only one check. As a rule, if the client notices this, then it will be almost impossible to open a criminal case - all this can be attributed to inattention. But the seller is obliged to return the money.
SMS with code
An SMS with a code for transferring money comes to the phone, which puts the owner of the card in a stupor. Next comes a call supposedly from the technical support of the bank, where they warn of fraud. To cancel the transfer, you are asked to say the sent code and dial an SMS with the text "Cancel" to distract attention. If the victim transmits the code to confirm the transfer, the swindler transfers the money to his account and disappears.
Card blocking
An SMS is sent to the cardholder's phone number from an unknown number with a text that says about blocking the card. In case of an accidental error of the bank in the SMS they ask to call back to this number and "settle" everything. At the other end of the "wire" there is a swindler who, when he calls, will ask for the card number, password and code word to "unblock".
After the information received, the fraudster gains access to the funds and transfers them to his account.
A copy of the mobile bank
A mobile bank is downloaded to the phone, very similar to the original. In fact, the application is fake and designed specifically to deceive. When the card is "linked", the fake application asks for the card number, password and code word, after which funds are automatically withdrawn from the owner's card.
To avoid an error, you only need to download the mobile bank from the official app stores of the operating system (App Store, Google Play, Microsoft Store, and so on).
With contactless cards
Many fraudsters can simply steal a card from a purse or pocket in a busy area. Using a PoS terminal, a user has the right to withdraw up to 1,000 rubles from a contactless card without passwords and confirmations. The PoS terminal can also be trivially leaning against the pocket where the card is located. The operation is carried out at such distances without problems.
