Protect your credit cards from scammers!

Have you ever found an unauthorized purchase in your credit card's balance? To protect your credit card from theft you should know all scammers' tricks, so read on to learn how to protect your credit cards from scammers!

1. Keep an eye on your physical credit card

When stealing your physical credit or debit card, thefts can easily make any purchase online, as they've got all the information they need: credit card number, expiration date, and the security code on the back. They could make fraudulent purchases in a couple of minutes. So, keep an eye on your credit card when you pay in a restaurant, for example, in order to make sure that nobody steals the information. And don't forget your credit card if you’re paying in a hurry, which can happen when your mind is elsewhere.

2. Carry only the cards you need 

If you have many cards, including credit cards, debit cards, membership cards, etc., try not to put them all together in your wallet. If it gets stolen or lost, it'll take a lot of time to report every missing card, and you can't skip this process if you want to avoid letting scammers use them.

Always keep an eye on your physical credit card

3. Beware of card skimmers

Credit card skimmers are small devices placed on a legitimate spot for a card scanner, such as a gas pump or ATM. They can be almost invisible, but capture all the information stored in a card's magnetic stripe. These gadgets are usually stuck out past the panel rather than sitting flush with it, as a legitimate credit card scanner is supposed to be.

4. Pay attention at home

Your home isn't safe from scammers’ strategies. Physical credit cards usually arrive at your home by mail, and both banks and credit card companies also send you promotions and other information to your mailbox. That's why it's important to collect your mail daily and put it on hold when you go out for holidays. Additionally, try to keep your card-related paperwork in a safe place, as it contains a lot of strategic information that scammers could use for their sakes if they get to it.

5. Secure your online activity

Online banking and online shopping are the most comfortable ways to do a lot of tasks and save time on them. In order to avoid scams, you need to use strong and unique passwords for all your online financial movements. Keep these passwords saved elsewhere, not your computer!

Always secure your online activity

Online banking: the hackers' tricks

Hackers are always looking to break into every platform that could provide them profit. They’ve developed several tricks to access your online bank accounts, but you can still be one step ahead of them.

Banks have many safety measures to protect their customers’ accounts from hackers. In spite of this, if you’re a victim of fraud and your money was stolen from your account, you’re protected by federal law. If this account isn’t under your business name and you’ve reported the crime within 60 days, the bank has to reimburse your funds.

Even though your funds are protected, you don’t want to go through the whole paperwork and face a lot of red tapes. There’s a much simpler way to avoid all this trouble: learn how most hackers’ tricks work and use this knowledge to stay one step ahead of them. Here are some of the most common scams when it comes to online banking.

1. Identity Theft

Personal data can be stolen in order to gain access to your online banking account. Hackers can steal your social security number or other personal data. With this data, they could manage to gain access to your personal accounts, even your online bank account. You can also be a victim of identity theft offline. Keep your eyes on your wallet and always destroy documents containing confidential data before throwing them away. 

2. Keylogging

Accessing your bank account on public networks can also be dangerous. Your movements on the keyboard can be recorded by cameras or software, which would give hackers all the information that you’re writing down. This means, that they’ll know your banking data if you’re logging on to online banking.

3. Phishing

This trick can provide the hacker with some sensitive information on your online banking account. It works through an email that contains a link and is sent to you. If you click on it, it may download software to your computer, which would gather your data. There’s also the chance that it’ll lead you to a website that looks like one of your online banks. Once you arrive, you’ll be tricked into giving your account information.

4. Pharming

This is the most complex scam. Here, the hackers manage to hijack the bank’s URL and they can redirect you to a similar homepage if you try to access your bank.

Beware of hackers and their tricks

Protect your credit card from online threats

While it’s dangerous to lose your credit card on the street, it’s also possible for it to be compromised online. Sometimes, the last cases are the most dangerous ones. If someone steals your wallet or your credit card gets lost, it can be a real bummer. However, there’s an upside: at least you know that you need to request a new card and shut down the lost one. If someone steals your credit card information and you don’t notice it, they can start using it until you realize what’s going on, which can add up to many hundreds of dollars.

Online scammers are quick and are always coming up with new ways to deceive innocent credit card owners. They have simple tricks that work on distracted or naïve consumers. Luckily, you can anticipate most of these and avoid falling in many traps! You have to be suspicious of all emails that reach your account and demand that you write down on some website your credit card data or payment information. If you’re not certain whether it’s a scam or not, you can verify it by paying attention to some details.

Beware of online threats!

Firstly, look at the email address. If you click on the display name, which usually looks pretty official, you can see the real email address. If it doesn’t follow the legitimate format of the company, chances are you were almost the target of a scam.

Secondly, look at the URL of the link that you received in the email. If it’s a legitimate site, it should start with https://, because all sites that ask for your financial information should be secure ones. You should also see a small lock icon in the browser bar. An unsecured site starts with http://, so avoid entering your payment information there.

You can also shut down fraudulent sales if you go over your credit card statements, as well as your banking ones. This way, you’ll notice any suspicious purchases on time to stop them from being charged.

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