A shocking case of cyber fraud has come to light from Uttar Pradesh's Gorakhpur, where a block credit card fraud of Rs. 19,960 was defrauded.
In the police complaint, the victim stated that he had created a credit card from State Bank of India (SBI) with a limit of Rs 20,000. On October 26, he got a call. The caller introduced himself as a bank employee and said, Your credit card is of international level, you are using it at national level, so your card is being charged.
The caller asked for credit card details to waive the charge. After this, 19,960 rupees were deducted from the victim's account. The victim contacted the bank and complained about this. The bank immediately acted on this and returned the deducted money.
After this, the victim got his card blocked, but a few days later, the cyber thugs again withdrew money from his credit card. After this, the victim complained about this to the police.
In such a situation, the question arises as to how the money is deducted from the blocked credit card?
So let's know the answer to this question today In work news will get. We will also talk about –
- How to secure a credit card?
- What are the things to keep in mind while using a credit card?
Expert: Rahul Mishra, Cyber Security Advisor, Uttar Pradesh Police
Q- What is a credit card? Answer- A credit card is a payment card, usually issued by a bank. It has a fixed amount, which users can use to buy anything. This amount has to be paid in a fixed time. Credit cards also have spending limits, which are determined on several parameters. It can be increased or decreased.
According to the Reserve Bank of India (RBI), there were more than 10 crore credit card users in India as of March 2024. Among them 5 banks have 75% market share. This number is constantly increasing.
Q- Can money be transferred from a blocked credit card? Answer- Cyber expert Rahul Mishra says that once a credit card is blocked, money cannot be transacted through it. Many times after complaining to the bank, users think that their card is blocked, but for some reason it is not blocked. Due to this there is a risk of fraud.
Q- What kind of scams can be done by credit card? Answer- The main cause of credit card scams is theft of credit card number, card verification value (CVV) and expiry date. If someone has these three details of your card, they can defraud you.
For this, scammers can shop online with your credit card using any international gateway. International Gateway is a mode of online payment, which does not require OTP for payment. Only credit card details are enough for this.
Understand this with an example- Suppose someone has a US gateway and has an Indian credit card. In such a case, only the card number, CVV and expiry date are sufficient to make purchases with that card. It does not require OTP of the mobile number linked with the credit card.
Q- What to do to protect credit card? Answer- When you give your credit card to swipe at places like shopping malls, petrol pumps, the risk of card details being stolen increases. Scammers can sell this information outside India.
To avoid such fraud, remember the three-digit CVV number of your credit card or note it down in your personal diary. Hide CVV number written on credit card with permanent marker. Take care of safety while giving credit card at places like shopping mall, petrol pump. No one can see your CVV number. Transaction will not be possible without CVV.
Apart from this, keep in mind some other things given in the graphic below.
Question- What to do if you get credit card fraud? Answer- If a suspicious transaction occurs on your credit card, report it to your bank immediately. Also call the customer care number of the bank and get the card blocked. Apart from this, also file a written complaint in your nearest police station.
Keep in mind that the sooner you complain after the transaction, the sooner you can get the refund. So, complain immediately after deducting the money. Do not be careless in this matter.
Q- What precautions should be taken while using credit card? Answer- A cardholder should be aware of a few things while using a credit card. such as-
- Once you get your credit card's secret PIN number, remember it immediately. After this, destroy the document containing your secret PIN number.
- Earlier credit cards only had a magnetic strip on the back. Now the chip is used. Chip cards are more secure. So, if your card does not have a chip, get it upgraded from your bank.
- Check your credit card statement or transaction details once in every 15 days. If there is a mismatch in the transaction, complain to the bank immediately.
Image Credit: (Divya-Bhaskar): Images/graphics belong to (Divya-Bhaskar).
