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How carding works and options for protecting users from fraudsters

Carding, phishing and skimming: what is it and how to protect your funds? Bank card fraud: how not to fall victim to carders.

October 20, 2020

Carding, phishing and skimming: what is it and how to protect your funds?

Bank card fraud: how to avoid falling victim to carders. It is important for cash account holders to remain vigilant and not fall for the tricks of scammers. Let's figure out what types of carding you can face and how to protect your funds.

Carding (from the English card) is one of the activities of intruders who are trying to take possession of data and funds through a credit card, or rather its details. The necessary information can be obtained in a variety of ways, but most often POS terminals or skimmers are used. Additionally, a variety of programs can be used.

To prevent attackers from gaining access to your card in the event of its loss, it is necessary to notify the bank employees about the need to block it. Otherwise, fraudsters can use lost credit cards at gas stations or self-service points. The PIN code is made known through the use of hidden cameras embedded in ATMs.

How carding works and implementation options

Most often, scammers only need to know the following information:

  • Full name of the owner;
  • card number;
  • CVV code on the back of the card.

This is enough to make it possible to illegally pay with a credit card in various stores, especially foreign ones. Credit card data itself can be obtained through hacking ATMs or terminals, reading skimming devices or phishing emails.

Tips and Precautions

To protect your credit card funds, you just need to follow a few basic guidelines. Most importantly, do not lose sight of the map. Check for unauthorized video cameras and suspicious overlays on ATMs and payment instruments. Most often they are disguised as advertisements or additional ATM elements.

To check that all transactions with the card are carried out only by you, you just need to subscribe to the bank notification mailing list. Notifications can come both in the messenger, and by e-mail or SMS messages.

As an additional measure of protection, you can set a daily limit on the amount that is available for cash out or purchases in stores.

Keep a close eye on any activity that is associated with your card, which will help get rid of possible encounters with scammers.