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Of all the possible fears of a modern person, one stands out - to forget a mobile phone at home. This device has changed our life so much that it is difficult to imagine it without such a means of communication. However, there were quickly found those who wish to earn dishonestly with the help of a mobile phone. Today we'll talk about scammers who “cheat” credit card holders using SMS messages.
SMS fraud: how it works
Fraudsters are always good psychologists. They use human fear, stupidity, greed in their "activities" ... SMS deceivers are no exception. We will give you the most common scheme used by scammers, but remember that at any time they can invent something new, so carefully consider the security measures that will be discussed at the end of the article. So, usually a play consists of several acts.
Act 1. SMS
An SMS message is sent to your mobile phone informing that your card has been blocked due to unauthorized use. At the end, for the sake of solidity, the phone number of the bank's security service is indicated, which you are strongly recommended to call back.
Act 2. Dialogue
Frightened for his hard-earned money, the person, without hesitation, dials the specified number.
- Hello, I'm Ivan Ivanov, I received a message about the blocking.
- How much money should you have on your card?
- Ten thousand rubles.
- Yes, that's right, we see. Your account was blocked because there was an attempt to pay with your card in the online store of household appliances in the amount of nine thousand rubles.
- But I didn't even go to the computer!
- That's why we blocked your card. Now you URGENTLY need to go to the nearest deposit ATM (it allows you not only to withdraw cash, but also to deposit it) in order to take the necessary steps. When you are near the ATM, call us back.
Act 3. Action
The almost dumb customer, thinking only about how to save their money, hurries to the ATM. At the other end of the line, he is told that to unblock the account, you need to transfer a certain amount to such and such an account (as a rule, they call a lot of money). The client does not have such cash on hand. And he is told that he urgently needs to extend the blocking, otherwise the purchase operation will still take place. For this, the person is asked to dictate the card number, expiration date, and the secret code located on the back under the magnetic stripe.
A curtain. These three parameters are enough to make transactions with your card on the Internet.
There are other common types of scams:
Of course, not every person agrees to everything so easily, but starts asking questions. But, again, scammers are competent psychologists. They answer: “You can, of course, go to the department officially tomorrow, but in this case the case may drag on for several weeks (you understand, the proceedings, the paperwork). We want to sort things out in hot pursuit. " Now let's take the role of critics and analyze this excellently staged performance.
SMS Fraud: Precautions
First of all, you need to remain, like a security officer, with a cool head. First, pay attention to the phone from which the SMS came. In most cases, the number should be the same as the bank's customer support number (it is indicated on the back of the card). And, for example, Bank directly on the website indicates the phone from which (and only from it!) SMS can be sent to customers.
In addition, the name of the bank must be indicated either in the text of the message or in its title. But the scammers do not know which institution you are a client of, so they subscribe to the frighteningly unnamed "security service", which, by the way, does not communicate with clients about this at all.
One more point - the bank does not send messages to those customers who are not connected to SMS banking. And in general it is not customary to engage in mailing that informs about the blocking of the card.
By the way, please note that criminals almost never ask for a PIN code. After all, clients are already accustomed to the fact that this is a sacred secret. Therefore, the emphasis is on the CVV code, which makes it possible to pay by card on the Internet. And, of course, the bank employee will not ask you for the card balance (and the rest of the data too) - the operator knows all this better than yours.
What to do if you receive a fraudulent SMS message? First, don't get nervous. Second, take the card, turn it over and call the number below. Everything! And remember - only you can protect your money!
SMS fraud: how it works
Fraudsters are always good psychologists. They use human fear, stupidity, greed in their "activities" ... SMS deceivers are no exception. We will give you the most common scheme used by scammers, but remember that at any time they can invent something new, so carefully consider the security measures that will be discussed at the end of the article. So, usually a play consists of several acts.
Act 1. SMS
An SMS message is sent to your mobile phone informing that your card has been blocked due to unauthorized use. At the end, for the sake of solidity, the phone number of the bank's security service is indicated, which you are strongly recommended to call back.
Act 2. Dialogue
Frightened for his hard-earned money, the person, without hesitation, dials the specified number.
- Hello, I'm Ivan Ivanov, I received a message about the blocking.
- How much money should you have on your card?
- Ten thousand rubles.
- Yes, that's right, we see. Your account was blocked because there was an attempt to pay with your card in the online store of household appliances in the amount of nine thousand rubles.
- But I didn't even go to the computer!
- That's why we blocked your card. Now you URGENTLY need to go to the nearest deposit ATM (it allows you not only to withdraw cash, but also to deposit it) in order to take the necessary steps. When you are near the ATM, call us back.
Act 3. Action
The almost dumb customer, thinking only about how to save their money, hurries to the ATM. At the other end of the line, he is told that to unblock the account, you need to transfer a certain amount to such and such an account (as a rule, they call a lot of money). The client does not have such cash on hand. And he is told that he urgently needs to extend the blocking, otherwise the purchase operation will still take place. For this, the person is asked to dictate the card number, expiration date, and the secret code located on the back under the magnetic stripe.
A curtain. These three parameters are enough to make transactions with your card on the Internet.
There are other common types of scams:
- criminals send out information that the client has become the winner of a promotion held by the bank, only to receive a prize, it is necessary to transfer a small contribution from the card (tax, etc.);
- sometimes a person who has received an SMS and has already come to the ATM is dictated the numbers that he must enter supposedly to unblock. As a result, it turns out that you have sent money with your own hands to someone else's mobile account or electronic wallet;
- it is reported that an amount was mistakenly credited to your account that needs to be urgently sent back, etc.
Of course, not every person agrees to everything so easily, but starts asking questions. But, again, scammers are competent psychologists. They answer: “You can, of course, go to the department officially tomorrow, but in this case the case may drag on for several weeks (you understand, the proceedings, the paperwork). We want to sort things out in hot pursuit. " Now let's take the role of critics and analyze this excellently staged performance.
SMS Fraud: Precautions
First of all, you need to remain, like a security officer, with a cool head. First, pay attention to the phone from which the SMS came. In most cases, the number should be the same as the bank's customer support number (it is indicated on the back of the card). And, for example, Bank directly on the website indicates the phone from which (and only from it!) SMS can be sent to customers.
In addition, the name of the bank must be indicated either in the text of the message or in its title. But the scammers do not know which institution you are a client of, so they subscribe to the frighteningly unnamed "security service", which, by the way, does not communicate with clients about this at all.
One more point - the bank does not send messages to those customers who are not connected to SMS banking. And in general it is not customary to engage in mailing that informs about the blocking of the card.
By the way, please note that criminals almost never ask for a PIN code. After all, clients are already accustomed to the fact that this is a sacred secret. Therefore, the emphasis is on the CVV code, which makes it possible to pay by card on the Internet. And, of course, the bank employee will not ask you for the card balance (and the rest of the data too) - the operator knows all this better than yours.
What to do if you receive a fraudulent SMS message? First, don't get nervous. Second, take the card, turn it over and call the number below. Everything! And remember - only you can protect your money!
