Father
Professional
- Messages
- 2,602
- Reaction score
- 798
- Points
- 113
John:
It all started when I decided to sell a refrigerator on the Internet. I placed an ad on a popular website, and in just five minutes the buyer calls. He says he works for a company that buys old refrigerators. They repair and resell them, and those unsuitable for repair are used for parts. Like, they are very interested in the model of my refrigerator and they are ready to transfer the prepayment right now, and in about an hour the movers will take the refrigerator if it is convenient for me.
Great offer, I think. I was alarmed that they are ready to buy a pig in a poke: why should they trust me that the refrigerator works. But in the end, do not discourage the same, especially the money immediately promises.
The buyer said they were transferring money from the company's checking account. I asked if I have cards of certain banks. I didn't have them, and in the end he concluded that my bank would work. I asked for my account or card number. I gave the card number. Then he says that it needs another period of its validity. I say that the number is enough. Then they began to assure me that in order to transfer from a current account, they also need to indicate the validity period of the card for verification.
But I had already received money from current accounts, and I knew that no expiration date was needed there. It's time to hang up! But for some reason I continued the conversation, apparently the desire to get rid of the refrigerator turned out to be stronger.
I have heard many stories when scammers ask for three numbers on the back of a card and all sorts of passwords from messages. Here it is immediately clear - the danger. But why should they expire? Nevertheless, she refused to name him. She offered to transfer by account number. I needed to find him, so I asked to call me back in five minutes.
I hung up and dialed a friend who often sells unnecessary items on the Internet. It turned out that such resellers of equipment also called her, but immediately asked for secret codes and walked through the forest.
When he called the second time, there was no point in picking up the phone. The scheme is clear - I would start asking for some more data that would allow me to get to my money on the card. Most likely, codes with passport data would have been used. It's good that I said stop on time.
In general, even when you really want to get rid of something or, on the contrary, get something, do not lose your vigilance. By the way, the refrigerator is still in place. Maybe someone needs it? Do not offer codes and expiration dates of the card in return))
Financial Culture Expert:
It really was a scammer. To transfer to a card, only its number is needed. No expiration date or any other data is required.
A pseudo-buyer came up with a legend about the purchase of a refrigerator in order to take possession of all the data on Catherine's card. He probably would have asked for the three-digit CVV / CVC-code on the back of the card.
But even the number and validity period may be enough for a fraudster to use the money on the card. In some online stores, you can pay for a purchase without entering a three-digit code on the back of the card, or passwords and codes from SMS and push notifications from the bank.
Therefore, in order to secure the money in your accounts, in no case do you need to provide anyone with unnecessary payment information. Or post a photo of your card on social networks. Connect SMS or push notifications about all card transactions to immediately learn about suspicious charges.
If you decide to sell something on special ad portals, be careful:
It all started when I decided to sell a refrigerator on the Internet. I placed an ad on a popular website, and in just five minutes the buyer calls. He says he works for a company that buys old refrigerators. They repair and resell them, and those unsuitable for repair are used for parts. Like, they are very interested in the model of my refrigerator and they are ready to transfer the prepayment right now, and in about an hour the movers will take the refrigerator if it is convenient for me.
Great offer, I think. I was alarmed that they are ready to buy a pig in a poke: why should they trust me that the refrigerator works. But in the end, do not discourage the same, especially the money immediately promises.
The buyer said they were transferring money from the company's checking account. I asked if I have cards of certain banks. I didn't have them, and in the end he concluded that my bank would work. I asked for my account or card number. I gave the card number. Then he says that it needs another period of its validity. I say that the number is enough. Then they began to assure me that in order to transfer from a current account, they also need to indicate the validity period of the card for verification.
But I had already received money from current accounts, and I knew that no expiration date was needed there. It's time to hang up! But for some reason I continued the conversation, apparently the desire to get rid of the refrigerator turned out to be stronger.
I have heard many stories when scammers ask for three numbers on the back of a card and all sorts of passwords from messages. Here it is immediately clear - the danger. But why should they expire? Nevertheless, she refused to name him. She offered to transfer by account number. I needed to find him, so I asked to call me back in five minutes.
I hung up and dialed a friend who often sells unnecessary items on the Internet. It turned out that such resellers of equipment also called her, but immediately asked for secret codes and walked through the forest.
When he called the second time, there was no point in picking up the phone. The scheme is clear - I would start asking for some more data that would allow me to get to my money on the card. Most likely, codes with passport data would have been used. It's good that I said stop on time.
In general, even when you really want to get rid of something or, on the contrary, get something, do not lose your vigilance. By the way, the refrigerator is still in place. Maybe someone needs it? Do not offer codes and expiration dates of the card in return))
Financial Culture Expert:
It really was a scammer. To transfer to a card, only its number is needed. No expiration date or any other data is required.
A pseudo-buyer came up with a legend about the purchase of a refrigerator in order to take possession of all the data on Catherine's card. He probably would have asked for the three-digit CVV / CVC-code on the back of the card.
But even the number and validity period may be enough for a fraudster to use the money on the card. In some online stores, you can pay for a purchase without entering a three-digit code on the back of the card, or passwords and codes from SMS and push notifications from the bank.
Therefore, in order to secure the money in your accounts, in no case do you need to provide anyone with unnecessary payment information. Or post a photo of your card on social networks. Connect SMS or push notifications about all card transactions to immediately learn about suspicious charges.
If you decide to sell something on special ad portals, be careful:
- Make transactions within the service, if it provides such an opportunity. Do not go to other sites or social networks. The buyer's offer to "discuss the details" in a third-party messenger can be a trap.
- Do not follow suspicious links from buyers and do not enter card details on a dubious site.
- Until you receive money for the product, do not give it back. If the buyer offers prepayment, mention only the card or account number, keep other information secret.
