Do you have a credit card? Do you also have a debit card or ATM card? If so, then you should be careful in the use of both cards. Because, today there is a rise of cyber crime (cyber crime) if you are not careful and vigilant, you can become a victim.
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| Credit and Debit Cards |
We know that credit and debit cards have become a transaction tool that is widely used every day. In fact, sometimes you use it more often than cash because it is more practical. Unfortunately, behind all the convenience offered in the use of credit and debit cards it turns out that users of non-cash / cashless transactions are vulnerable to being targeted by cybercriminals.
Of course, what is targeted is the data or personal information stored in the cards. If your personal banking data is stolen by fraudsters or hackers, they can use that data to drain your money.
Cyber crime modes such as the theft of personal data vary, such as they will pretend to use your data to disguise themselves and then take all online transactions, ranging from banking and so on. In essence, they will drain the property / money stored in the account or buy something very expensive with a credit card and make you pay it off.
Cyber crimes related to credit and debit cards are known to the public as card hijacking.
There are several techniques and terms for these card data hijacking crimes, among them phishing and skimming, which are essentially both stealing credit or debit card data.
Understanding Phishing and Skimming
Phishing is the theft of important personal data or information such as name, email, account number / credit card, ATM card PIN, credit card PIN, OTP code, to CVV code (3 digit number on the back of credit card).
Skimming or popular with card skimming is an online fraud technique used to break into ATM / credit cards by placing hidden tools on ATM machines or EDC machines to record card owner data from the atm / credit card magnetic strip.
Then, the data that has been stolen or hijacked will be used by the hijacker to drain the contents of your bank account or shop using your data. Or this is often called fraudsters will take away all your banking activities by pretending to be you.
Here is a list of data that you need to keep confidential so as not to be hacked by fraudsters.
- Personal data (name, address, email, mobile number, parent's name (birth mother), date of birth and more)
- Identity data (KTP, SIM, KK, NPWP and so on)
- Bank data or mobile banking (account number, username, password, OTP code (one-time password))
- Debit card data (ATM card numbers and PINs) and credit card data (numbers, pins, card types, numbers on the back of credit cards, and so on)
- E-commerce account data, digital wallets and paylaters (username, password and OTP code)
Credit and Debit Card Hijacking Fraud Mode
Before knowing the tips and tricks to prevent your credit or debit/ATM card from being hijacked by others, it's a good thing you first listen to what ways are often used by card hijackers to steal your data, namely:
1. Fraud Over the Internet (online)
In transacting online, the card owner does not need to use his card physically (card not present or CNP) and also does not need to affix a signature. So you need to be careful when transacting online, such as internet banking activities and online shopping in e-commerce.
Sites with inadequate security will be used by hijackers to steal card identity data entered by people transacting on the Internet using the CNP facility.
Because, by only capitalizing data such as card numbers, CVV codes and leaking OTP codes, fraudsters can make transactions draining your account on the internet easily.
2. Phone or Email Fraud
This method is very popular and often happens. The hijacker will contact you by phone or email by claiming to be from the credit or debit card issuing bank.
The mode, fraudsters ask for your cooperation for the purpose of updating bank data, bank systems again updates, there are problems with your account or credit card, until there is info to win hundreds of millions of prizes without being drawn.
This kind of thing is obviously a scam aka scam. You need to know that the bank will never ask for customer data by phone, email, SMS, WhatsApp, DM (direct message / message on social media) or correspondence.
If you serve this kind of phone / email by providing your personal banking data, then it is likely that your credit or debit card is at risk of being hijacked by fraudsters.
3. Fraud Through Online And Telephone Surveys
Sometimes hijackers will use telephone and internet facilities to make up surveys that will in the aftermath will ask for your financial data, for example related to credit or debit cards. Credit or debit card data hijacking under the guise of this survey should also be wary.
4. Fraud Placing Phishing Tool (in the form of chips in atm machine card holes (Skimming))
ATM machines also include tools that are often targeted by ATM and credit card hijackers. How to hijack the card owner's data is to place a simple chip-shaped tool in the hole where you insert the ATM card that will record your data from the card you entered.
In addition, usually the hijacker will place a small camera on one side of the ATM machine to record when your hand presses the PIN code. Thus they have obtained personal data as well as your card PIN. So know this classic mode so you can be careful.
Tips to Prevent Credit/Debit Card Piracy
So what are some tips and tricks to prevent your credit card or debit/ATM card from being hijacked by others and misused? Check out the following safe ways to transact with debit or credit cards:
Tips for Credit Card Owners
If you have a credit card, you need to pay attention to the following to avoid attempts to hijack your card identity:
Save Credit Card Latest Transaction Bon
Every time you transact using a credit card, you will receive a proof of transaction bond that must be stored, of course, stored in a safe place and not easily accessible to others.
If you receive a bon in the form of an email, then you can download it and store it well. The goal, if found a transaction that is not appropriate, you can immediately contact the bank to clarify. Then, after the bill is paid, the bond / proof of the bill you can destroy or delete from the email.
Always Carefully Check Credit Card Bills
The purpose of checking credit card bills carefully every month is so that if there is a payment / purchase transaction activity that you do not do, you can immediately report to the credit card issuing bank to ask for an explanation.
Immediately Destroy Credit Card Charge Sheet After Payment
After you pay the bill listed on your credit card bill sheet for that month, you should immediately destroy the bill sheet because if someone else is found to be malicious, the card number and other information listed by the bills can be misused.
Immediately Block Credit Cards If They Are Lost
If you lose your credit card, you should immediately contact the credit card issuing bank to request that the credit card be blocked. If you do not immediately block the lost credit card, then your credit card is at risk of being hijacked if found by people who intend evil.
Enable Notification Service from Bank Via Mobile Phone
So that you can always monitor your credit card transaction activity, you should activate the transaction notification service from the credit card issuing bank via mobile phone.
Every time there is a transaction using the credit card, the bank will send an SMS notification about the transaction. If you change your mobile number, you should immediately update your mobile number data by contacting your credit card issuing bank.
Always Be Vigilant when Making Online Transactions with Credit Cards
When making online shopping transactions or other transactions using a credit card, usually the store or online business requires you to enter additional data and information to make sure the credit card is yours.
Always check the website address is correct or not, and make sure the validity of online shopping applications / online shopping sites so as not to become victims of credit card piracy. Using a credit card to shop on online shopping sites that look not credible is not recommended because it is less secure.
Maintain the Confidentiality of CVV and Credit Card PIN
For credit card owners, protecting personal credit card data is mandatory. Maintain the confidentiality of important data such as CVV, PIN, credit card expiration date, ID number and birth mother. Most importantly, never share credit card PIN numbers and CVVs with anyone.
Tips for Debit Card Owners
Meanwhile, for those of you who have a debit card or ATM card, pay attention to the tips below to be safe in using your card and free from piracy.
Treat Debit/ATM Card PIN as Confidential Information
For more security, you should routinely change your debit card PIN, at least twice a year. Then, more importantly, keep your PIN secret. If you have difficulty remembering and have to record it, keep a record of your PIN code in a place separate from the debit card or ATM card so that it is not easily accessible to others.
Immediately Block Debit Card if Lost
Just like for credit cards, if you lose your debit card or ATM card then you should immediately contact your card issuing bank so that the bank immediately blocks the card permanently. Then you can go to the bank branch office to take care of a replacement debit / ATM card.
Use an ATM Machine Located in a Safe Place
If you want to withdraw cash or make other transactions at the Mandiri Cash Bridge (ATM) machine, you should choose an ATM machine located in a safe place, if it can be near the branch office of the card issuing bank or which has a guard officer. Contact the bank or security immediately if there is a problem.
Check the ATM Hole Before Entering an ATM Card
The trick is to shake the part and make sure the ATM card hole sticks firmly. If there is a recorder chip installed by the hijacker, it is usually only glued with glue or tape so that it is easy to escape. If the ATM machine you consider suspicious, immediately report it to the authorities or look for another ATM that is more convincing.
Always Cover the Buttons when Entering a PIN Code at an ATM
You should always be aware of the presence of hidden cameras installed by hijackers to record your PIN. Therefore make sure you always cover your hands when entering the PIN code
Save Proof of Debit Card Transaction
If you always keep proof of your debit /ATM card transaction, then you can match it with the data listed on your savings book. If something is not suitable, you can immediately report to the bank for an investigation.
Take Good Care of Personal Data
If you look at the tips outlined above, it will certainly minimize the possibility of your credit or debit card being hijacked and misused. Carefulness and vigilance in the use of credit and debit cards will certainly facilitate your transaction activities. Hopefully your credit and debit cards are safe from piracy.
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