What are the forms of credit card skimming?
Credit card skimming means that criminals obtain the cardholder’s bank card or password through various illegal means, or only obtain the bank card and password. and other information related to the cardholder's identity characteristics, using this information to carry out illegal activities such as making counterfeit cards and impersonating the cardholder's identity to make purchases through POS machines, transfer money at ATM machines, and withdraw cash. Judging from the current cases announced in judicial trials and reported by news media, credit card theft mainly occurs in the following situations: 1. Directly stealing credit cards and their passwords. Criminals install card-swallowing devices in ATM machines in advance to intercept real cards and peek at passwords; they interfere with cardholders while they are doing business and wait for opportunities to steal real cards. After obtaining someone else's credit card, you can withdraw cash at the bank counter or ATM machine, or swipe the card for consumption at a special merchant. 2. Steal credit card information and passwords. Criminals obtain the cardholder's card information by installing fake keyboards, cameras and other devices on ATM machines, self-service bank automatic door card readers or POS machines, clone a new card with the cardholder's information, and then Use cloned cards to withdraw cash or swipe card purchases; or use deceptive means such as phone calls and text messages to obtain the cardholder's credit card information and steal the amount. 3. Pick up or steal other people's credit cards, pretend to be the cardholder's identity, report the loss, cancel or change the password and then wait for an opportunity to steal or swipe the funds in the card. They are both thefts, but they are slightly different. And depending on the performance of the theft, the responsibility will naturally be different. After a credit card is stolen, the responsible party needs to be determined based on the actual situation. Of course, the responsible party will be different in different situations.
Can you find out who did the credit card fraud?
After discovering that his or her credit card has been stolen, the customer can print out the transaction details of the card, find out the non-personal consumption portion, and provide the information to the card-issuing bank. At the same time, the customer can report it to the local public security department. Report the crime.
The issuing bank will then contact the acquiring bank for verification based on the list, retrieve the POS signature, and verify the signature. If you find the time when the card was stolen and the merchant from whom the card was purchased, you can contact the merchant and ask for monitoring to find the person who stole the card.
But everyone also needs to pay attention. Sometimes it may be because there is no monitoring installed, or the fraud is not detected in time. By the time it is discovered, a relatively long time has passed, making it impossible to find out which one it is. Someone stole the card.
However, as long as the card-issuing bank can prove that the card was not used by the person himself and that it was indeed stolen, and the responsibility for the theft does not lie with the cardholder, then the cardholder can pay for the stolen amount. If there is no need to bear responsibility, the responsibility will be borne by the acquiring bank or merchant.
As an important financial tool, credit cards are convenient to use in daily life and meet the needs of payment, consumption, installment, etc. However, they are used by some criminals and pose security risks. There are usually two situations when credit cards are stolen: One is when criminals directly use the original card to swipe or withdraw cash. This situation is often caused by cardholders losing their credit cards and revealing their passwords. The other is that criminals forge credit cards, steal passwords, and use them remotely or online. This is the case for Ding in the case.
In order to safeguard the property safety of consumers, the Beijing Banking and Insurance Regulatory Bureau issued a risk warning stating that to prevent credit card theft, attention should be paid to three aspects:
First, keep it properly. Keep your credit card and corresponding documents safe, keep the information and password on the credit card, and keep the mobile phone number you reserved when applying for the card. Do not give your credit card to others to use or tell others your password. If you have applied for mobile banking or online banking, you must be more vigilant when operating transactions and pay attention to account changes in a timely manner.
The second is to standardize payment. Go to a regular merchant to swipe your card. When swiping your card, pay attention to whether there are suspicious devices around you. When entering your password, be sure to keep a safe distance from others to prevent your password from being peeked. Increase your vigilance against phishing websites, unsafe links, and phone calls, and do not enter passwords in unsafe environments to avoid information leakage.
The third is to enable SMS reminders. Try to enable the SMS notification function of your credit card and pay attention to it at any time to keep abreast of fund changes, improve response speed, and prevent increased losses.
In addition, once the credit card is stolen, there are three measures to keep in mind:
First, freeze or report the loss in time. If you find that your credit card has been stolen, call the official customer service number of the card-issuing bank as soon as possible to inform you of the abnormal transaction, freeze your account or report the loss of your card in a timely manner. If a third-party payment platform is involved, call immediately to control the withdrawal of funds.
The second is to report the case to the public security agency immediately. Keep the receipt of receipt. Detail the circumstances of the fraudulent use and prove that the credit card is still in your custody and that the fraudulent consumption was not done by you. Some payment institutions require the cardholder to provide a receipt as proof of denial of the transaction.
The third is fixed evidence. Immediately go to the nearest ATM or POS to perform a card swiping transaction to prove that the card is not lost on you, and the fixed electronic evidence proves that the card has not been separated. If the card has been frozen or reported lost, the card swiping will not be successful and the card may be swallowed when making transactions through an ATM machine. Please do not panic and follow the relevant bank regulations for follow-up processing.
A case analysis of suspected “swiping” of ETC-linked credit cards
“Our bank received an emergency notification from the credit card organization that your credit card with the last number XXXX is suspected of having account information leaked. , there is a risk of fraud. If you do not pay for the card replacement, your account may suffer losses due to fraud?" Subsequently, the author received two calls from the 955XX customer service hotline, saying that the credit card associated with the ETC expressway payment pass was suspected of being used for small amounts, and "highway" expenditures were frequently recorded in the past year.
Because of this text message and two customer service calls, as well as the revelation at the 315 party that the ETC card had been stolen over the air, as a bank employee I began to lose my composure and agreed to the customer service to stop payment and change the original credit card. Card mailing. But it was later discovered that: 1. The credit card was not loaded on the ETC device; 2. The credit card did not have a quick pass function. 3. There are many high-speed consumption records and it is impossible to match the travel date and destination.
Currently, the credit card bill ETC record only shows “high speed”, making it difficult to review the travel trajectory afterwards.
Because the tone of 955XX’s official text messages and calls was sincere and the situation was “serious” and related to the safety of card use and financial losses. Out of panic and caution, the author listened to 955XX’s advice to stop the payment first and then change the card. Go to the counter to update your ETC credit card information. Because it takes time to print, send, and update cards, we waited for about three weeks before finally reactivating the ETC equipment.
During this period, the author went to the Hangzhou Expressway to walk through the manual toll lanes, and felt the inconvenience of not having ETC. Looking at the traffic speed of 0.3 seconds in the ETC channel next to me, I am lined up behind many trucks, driving slowly, which not only wastes gas money, but also affects my travel mood. It is indeed necessary to vigorously promote ETC green travel.
Through this incident, the case enlightenment and suggestions: First, the ETC credit card bill at the bank needs to be improved to improve user experience. Currently, the credit card statement is only marked "Highway" and is dated three working days after the date of travel. For high-speed self-driving tours or users who associate multiple vehicles with one credit card, the current bill record information is too simple and it is not easy to grasp the driving trajectory. It is best to mark the entrance and exit of the highway, such as "Keqiao-Hangzhou North". Of course, my colleague suggested that I call the ETC service number, but no one answered the call I tried.
Second, if the above suggestions cannot be adopted, it is recommended that after the bank installs the ETC device for the user, the bank requires the user to follow the ETC official WeChat and bind the user through the ID number, so that the pass record can be queried to further improve the user experience. Experience and consume clearly. When vigorously promoting ETC usage scenarios, user experience should be effectively improved.
Third, it is recommended that when credit card organizations and banks issue fraud warnings, especially the bank’s official customer service staff, they should first remind users to check ETC’s official WeChat travel records and match the bill’s travel date, instead of simply suggesting changing cards, resulting in Users have to wait for, update ETC credit cards and other subsequent inconvenient procedures.
What should I do if my credit card is stolen by someone else?
Stolen things seem to happen every day. Money is stolen, mobile phones are stolen, and even credit cards are stolen. Credit card theft is no longer an isolated case, but every time the theft occurs, the card is stolen. People were very scared because they didn't know what was happening.
So let’s take a look at what to do if your credit card is stolen by someone else.
1. If your credit card is stolen by someone else, it should be dealt with on a case-by-case basis. If an acquaintance around you has stolen the money, you can ask the other party to pay back the money, so there is no loss.
2. If you don’t know who has stolen the card, the cardholder needs to check immediately to see if the card is still there, and then report the loss to avoid another theft incident, and then start to investigate the cause from the people around you. , contact the bank and tell the staff how it was stolen. The bank will find out where your card was swiped and see if they can find it.
3. After your bank card has been stolen, you should deal with it in time and stop the loss in time. If the amount of the fraud is very large, you can ask the bank to repay the arrears that have been stolen and ask for a bank card to be issued. A certificate of fraud, the cardholder takes the certificate issued by the bank to the local police station to report the crime, submit relevant evidence, and request the police to help recover the stolen money. If the credit card is stolen due to personal reasons, the bank will not be responsible. If the credit card is stolen due to bank reasons, the bank will be responsible.
The above is an introduction to what to do if your credit card is stolen by someone else. I hope it can help you.
That’s it for the introduction of credit card fraud cases.