Phone fraud is becoming more sophisticated. Swindlers tirelessly polish their skills and invent new ways to take money from citizens. Therefore, every citizen should know the most popular tricks and methods of deception, so as not to fall into the hands of telephone scammers once again.
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Many Russians who actively use bank cards have the Mobile Bank service enabled, which allows them to track the movement of funds in their account. Citizens sometimes do not know all the nuances of this service, which is what the swindlers actively use. A typical case of fraud begins with an SMS message: “Bank 900. Request for transfer of 10 thousand rubles has been accepted. The reference number is… ". The alarmed cardholder, who has not committed any monetary manipulation, immediately calls back to the specified number. An alleged bank clerk answers him. Having heard the customer's claim, he offers to temporarily block the card, for which a man needs to walk to the nearest ATM and perform certain actions. He follows all the points of the "bank instructions" and realizes what he has done only when he receives a notification that his account has been reset. Keep in mind that bank employees can block your card remotely. They do not need any manipulations at the ATM, your phone call is enough.
Your card is blocked
An SMS message comes to the phone with the text: “Your bank card is blocked. Find out how to unlock it by phone ***”. A person calls without even thinking that the last digits of his card number and the bank serving the card were not indicated in the message. On the phone, the helpful manager suggests going to the ATM and performing a series of actions. A few hours later, the client learns that his account has been reset. If you receive an SMS with similar content, you must immediately call all banks in which you have cards. Explain the situation and ask them to check your account. The phone number is indicated directly on the card.
What is your PIN?
One of the traditional ways to cheat is to ask for your PIN. You also receive a cherished SMS, you call the specified number, and on the other end of the line a pleasant voice asks you to name those four numbers. You, having forgotten or succumbed to an impulse, name them. With this information in hand, the swindlers easily make a duplicate of the card and withdraw money from it. The rule is very simple: the PIN code from a bank card cannot be told to anyone, even to bank employees.
Dear SMS
Bank card frauds are the most profitable, but require specific knowledge. It is much easier to extort money from cell phone owners. Many of them received SMS like: “Unsubscribe from SMS advertising. Send a message to number *** . Mobile phone owners are happy to send messages, hoping to get rid of the annoying advertising mailings. Of course, nothing changes, except that a hundred or two rubles are withdrawn from the account. Remember: in order to unsubscribe from advertising mailing, you need to contact the operator yourself, and not send messages to an unknown number.
"Mom, put money on my phone"
In this way, scammers lure money out of sensitive and emotional women. When such a lady sees an SMS with the content “Mom, urgently put me 100/200/500 rubles on this number, then I’ll explain everything,” she immediately fulfills the request of her child. What if you really really need it? After a while, she realizes that she sent money to scammers, but it's too late. It is very easy to play on human feelings, but you should never forget about common sense. Having received such an SMS, first of all, you should call your son or daughter. But not to the number from which you received the message, but to their personal. Most likely, the children will tell you that nothing of the kind was sent. Mobile communication is an integral part of the life of a modern person. Fraudsters are well aware of this. Be careful that your mobile phone does not become an accomplice of crooks.
