Beware of carding! They can use your card data
Posted: Tue Dec 17, 2024 9:21 am
What is carding ?
Carding is a type of fraud that uses stolen card information to use them fraudulently. The data that is stolen is related to the cards themselves, hence the term “ carding ” .
Cybercriminals use a variety of techniques to obtain victims' peru phone number data card details. Below we list some of the most well-known ones.
Users who are victims of fraud such as: phishing , smishing , vishing or shoulder surfing .
Distribution of malware , such as keyloggers , capable of capturing keystrokes.
Database of clients/users of websites whose security has been breached and which are published on the Internet.
Fraudulent websites where users have entered their bank details.
Using RFID or NFC wireless communication readers capable of obtaining card data. They are brought closer to the victim's card at a distance of less than 15 centimetres and the data is stored in a matter of seconds.
RFID reading image
Once they have obtained the card details, cybercriminals proceed to make purchases to verify that the information they have copied onto a virtual card is valid. They generally start by making purchases of products or services that have a low value and will gradually increase the value to try to determine the available balance on the card.
If the previous step was successful, the scammers will have verified both the card details and the quality of the stolen account information to determine its value.
It should be noted that carding generally increases during periods of major commercial campaigns, taking advantage of the overload of transactions due to purchases, so special attention must be paid during these dates to avoid making economic charges that we have not consciously made.
An example of a real case of carding with considerable impact in Spain was the “Proxy” operation , in which members of the fraudulent network residing in various countries around the world resold the products obtained fraudulently at prices lower than those stipulated in the market.
How can we protect ourselves from this attack?
As mentioned at the beginning of this article, carding is an attack that is closely related to social engineering , since cybercriminals use this and other techniques to obtain their victims' banking and personal data.
We provide you with 10 tips that will help you protect yourself from this fraud:
Ignore spam messages or emails from unknown senders.
Keep a regular record of your banking operations and transactions. Pay special attention to dates when you make the most online purchases: sales, holidays, Christmas periods, Black Friday, etc.
Turn off the NFC system on your mobile device when not in use or use an anti-theft card protector to keep your cards in your pocket.
When shopping online, make sure the store is trustworthy and uses a payment gateway or accepts secure payment methods. Do not provide information on sites with a dubious reputation.
Use the wallet or virtual cards offered by the bank for online payments.
Disable the NFC and RFID option in your bank's app if you do not use this payment method. If you do use it, enable the PIN confirmation request for the use of this card payment method.
Under no circumstances should you provide your bank details over the phone .
Carding is a type of fraud that uses stolen card information to use them fraudulently. The data that is stolen is related to the cards themselves, hence the term “ carding ” .
Cybercriminals use a variety of techniques to obtain victims' peru phone number data card details. Below we list some of the most well-known ones.
Users who are victims of fraud such as: phishing , smishing , vishing or shoulder surfing .
Distribution of malware , such as keyloggers , capable of capturing keystrokes.
Database of clients/users of websites whose security has been breached and which are published on the Internet.
Fraudulent websites where users have entered their bank details.
Using RFID or NFC wireless communication readers capable of obtaining card data. They are brought closer to the victim's card at a distance of less than 15 centimetres and the data is stored in a matter of seconds.
RFID reading image
Once they have obtained the card details, cybercriminals proceed to make purchases to verify that the information they have copied onto a virtual card is valid. They generally start by making purchases of products or services that have a low value and will gradually increase the value to try to determine the available balance on the card.
If the previous step was successful, the scammers will have verified both the card details and the quality of the stolen account information to determine its value.
It should be noted that carding generally increases during periods of major commercial campaigns, taking advantage of the overload of transactions due to purchases, so special attention must be paid during these dates to avoid making economic charges that we have not consciously made.
An example of a real case of carding with considerable impact in Spain was the “Proxy” operation , in which members of the fraudulent network residing in various countries around the world resold the products obtained fraudulently at prices lower than those stipulated in the market.
How can we protect ourselves from this attack?
As mentioned at the beginning of this article, carding is an attack that is closely related to social engineering , since cybercriminals use this and other techniques to obtain their victims' banking and personal data.
We provide you with 10 tips that will help you protect yourself from this fraud:
Ignore spam messages or emails from unknown senders.
Keep a regular record of your banking operations and transactions. Pay special attention to dates when you make the most online purchases: sales, holidays, Christmas periods, Black Friday, etc.
Turn off the NFC system on your mobile device when not in use or use an anti-theft card protector to keep your cards in your pocket.
When shopping online, make sure the store is trustworthy and uses a payment gateway or accepts secure payment methods. Do not provide information on sites with a dubious reputation.
Use the wallet or virtual cards offered by the bank for online payments.
Disable the NFC and RFID option in your bank's app if you do not use this payment method. If you do use it, enable the PIN confirmation request for the use of this card payment method.
Under no circumstances should you provide your bank details over the phone .