Fearing carding, some people simply do not take the risk of using such convenient Internet sites to sell things and services. However, knowing safety precautions against carding, you will definitely not become a victim of deception!
By posting an ad for sale, the client provides his personal information (for example, telephone number) to potential buyers. This is what carders are trying to take advantage of. Let's figure out how they do it.
Playing on emotions
The simplest carding scheme in which the carder only needs to take three steps:
Step 1. Find an advertisement (usually about the sale of something expensive - equipment, jewelry, etc.) and call the seller, posing as the buyer.
Step 2. Promise to pay for the goods today (or promise to make an advance payment) and thereby make the seller very happy.
Step 3. Ask the seller for his card details, including confidential details that should not be disclosed to anyone! This is the card's expiration date and the three-digit security code on the back of the card (CVV2/CVC2 code). If the seller provided these details (due to ignorance of the basic rules of carding protection or simply out of emotion), the carder will definitely try to make a money transfer from the victim’s card to his account. That is, to steal her money.
Carding scheme with two unknowns
In this situation, an “assistant” joins the carder:
One of the carders pretends to be the buyer of the goods, arranges to transfer money to the seller’s card, and asks for his card number.
The second carder calls the victim, pretending to be a bank employee, and reports that a payment has been received on the victim’s card. However, in order to receive the money, the seller allegedly needs to provide the “bank employee” with confidential card details. Why? The fake employee will convincingly refer to legal norms unknown to the victim, talk about problems with crediting money, penalties, etc. Once they receive the card details, carders will try to steal money from it.
There is actually only one safety rule here. To avoid becoming a victim of such carding, you should not disclose your confidential card information to unknown people. The card number is the only thing you can give over the phone!
Other carding schemes in which the criminal will try to ask for secret card details over the phone:
Scheme 1. The criminal pretends to be a bank employee who calls to report that the card has been blocked (often the victim is informed about the “blocking of the card” via SMS with a requirement to call the specified number back). To “unblock” you need to provide card details (including secret ones). In other cases, a “bank employee” may say that unknown people are trying to withdraw money from the card right now - to scare the card holder and demand from him all his card data (including confidential ones) supposedly in order to prevent the theft of money.
Scheme 2. “You have received a pension supplement.” Unfortunately, elderly people often fall victim to this scheme. The carder calls the pensioner and pretends to be an employee of the Pension Fund, reporting the receipt of a pension supplement. To receive money, the pensioner “must register the card” (the carder can come up with different reasons, but the goal is the same - to find out the secret card details).
Scheme 3. “You will receive financial assistance.” This is one common method of deception in which a carder poses as an employee of a charity foundation, an assistant to a deputy, or a civil activist. The criminal assures that in order to “receive help” on the card, you need to “provide its data” (including secret ones).
Scheme 4. “You won the promotion.” Carried out in the form of a call or SMS. The carder pretends to be an employee of a certain company (or store) that is running a promotion. The victim is told that she has won the promotion and can receive a monetary reward. But in order to credit funds, she must provide her card details (in addition to the number, the carder also asks about the secret card details).
Scheme 5. The attacker poses as a law enforcement officer. Informs that there are “problems with the card” (suspicious transactions). To resolve the issue, you need to provide your card details (including confidential ones).
No matter how inventive and cunning the carder is, all his “conversations” with the victim come down to one thing - you need to tell him other card details, in addition to its number.
To avoid becoming a victim of carding, know the weakest points in such schemes!
To block/unblock a card, the bank does not need to call the client to ask for card details.
Secret card details are needed only to confirm transactions with the card, which can only be performed by the card holder.
A real bank employee or employee of the Pension Fund (as well as any store or company) does not need to know the secret card details. After all, this is confidential data that can only be known to the card holder. A real bank employee will never ask about them!
To accrue or transfer any amount of money to a card, regardless of the purpose of the payment (prepayment for goods, pension supplement, winnings on a promotion, etc.), the sender only needs to know the recipient’s card number.
Be careful! As soon as a caller asks you for information about your card other than your number, you know that it’s a carder calling you!
(c) https://www.ema.com.ua/citizens/cyber-safety-school/vishing-scam-of-scam/
By posting an ad for sale, the client provides his personal information (for example, telephone number) to potential buyers. This is what carders are trying to take advantage of. Let's figure out how they do it.
Playing on emotions
The simplest carding scheme in which the carder only needs to take three steps:
Step 1. Find an advertisement (usually about the sale of something expensive - equipment, jewelry, etc.) and call the seller, posing as the buyer.
Step 2. Promise to pay for the goods today (or promise to make an advance payment) and thereby make the seller very happy.
Step 3. Ask the seller for his card details, including confidential details that should not be disclosed to anyone! This is the card's expiration date and the three-digit security code on the back of the card (CVV2/CVC2 code). If the seller provided these details (due to ignorance of the basic rules of carding protection or simply out of emotion), the carder will definitely try to make a money transfer from the victim’s card to his account. That is, to steal her money.
Carding scheme with two unknowns
In this situation, an “assistant” joins the carder:
One of the carders pretends to be the buyer of the goods, arranges to transfer money to the seller’s card, and asks for his card number.
The second carder calls the victim, pretending to be a bank employee, and reports that a payment has been received on the victim’s card. However, in order to receive the money, the seller allegedly needs to provide the “bank employee” with confidential card details. Why? The fake employee will convincingly refer to legal norms unknown to the victim, talk about problems with crediting money, penalties, etc. Once they receive the card details, carders will try to steal money from it.
There is actually only one safety rule here. To avoid becoming a victim of such carding, you should not disclose your confidential card information to unknown people. The card number is the only thing you can give over the phone!
Other carding schemes in which the criminal will try to ask for secret card details over the phone:
Scheme 1. The criminal pretends to be a bank employee who calls to report that the card has been blocked (often the victim is informed about the “blocking of the card” via SMS with a requirement to call the specified number back). To “unblock” you need to provide card details (including secret ones). In other cases, a “bank employee” may say that unknown people are trying to withdraw money from the card right now - to scare the card holder and demand from him all his card data (including confidential ones) supposedly in order to prevent the theft of money.
Scheme 2. “You have received a pension supplement.” Unfortunately, elderly people often fall victim to this scheme. The carder calls the pensioner and pretends to be an employee of the Pension Fund, reporting the receipt of a pension supplement. To receive money, the pensioner “must register the card” (the carder can come up with different reasons, but the goal is the same - to find out the secret card details).
Scheme 3. “You will receive financial assistance.” This is one common method of deception in which a carder poses as an employee of a charity foundation, an assistant to a deputy, or a civil activist. The criminal assures that in order to “receive help” on the card, you need to “provide its data” (including secret ones).
Scheme 4. “You won the promotion.” Carried out in the form of a call or SMS. The carder pretends to be an employee of a certain company (or store) that is running a promotion. The victim is told that she has won the promotion and can receive a monetary reward. But in order to credit funds, she must provide her card details (in addition to the number, the carder also asks about the secret card details).
Scheme 5. The attacker poses as a law enforcement officer. Informs that there are “problems with the card” (suspicious transactions). To resolve the issue, you need to provide your card details (including confidential ones).
No matter how inventive and cunning the carder is, all his “conversations” with the victim come down to one thing - you need to tell him other card details, in addition to its number.
To avoid becoming a victim of carding, know the weakest points in such schemes!
To block/unblock a card, the bank does not need to call the client to ask for card details.
Secret card details are needed only to confirm transactions with the card, which can only be performed by the card holder.
A real bank employee or employee of the Pension Fund (as well as any store or company) does not need to know the secret card details. After all, this is confidential data that can only be known to the card holder. A real bank employee will never ask about them!
To accrue or transfer any amount of money to a card, regardless of the purpose of the payment (prepayment for goods, pension supplement, winnings on a promotion, etc.), the sender only needs to know the recipient’s card number.
Be careful! As soon as a caller asks you for information about your card other than your number, you know that it’s a carder calling you!
(c) https://www.ema.com.ua/citizens/cyber-safety-school/vishing-scam-of-scam/
