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In the current digital context, where online transactions have become part of everyday life, cyber threats also multiply. These include carding, a fraudulent practice that involves unauthorized use of credit or debit card information to make purchases or financial transfers.
What is carding and how does it work?
Carding consists of obtaining and improving bank card data, as explained by. Criminals resort to various techniques to access this information, including:
- Phishing: Creation of emails or false sites that deceive victims to obtain personal and financial data.
- Database theft: Attacks on company systems to exfiltrate stored payment information.
- Skimming: Installation of devices in payment terminals or multibanco boxes to copy data from the magnetic bands of the cards. These devices may include mini chambers to register the introduced PIN codes.
- Purchase in illegal markets: Stolen card data is sold in forums at Dark Web.
After obtaining the data, criminals often test us in small value transactions before performing larger operations or selling information to third parties. Some networks use automated bots or platforms to test cards on low security sites.
How to protect your cards
To avoid being a carding victim, there are some essential security measures:
- Use virtual cards for online shopping: These cards have temporary data that do not compromise your main account.
- Activate Transaction Notifications: Thus, it will be warned immediately for suspicious movements.
- Avoid Wi-Fi Networks or non-safe sites: Never enter sensitive information on networks or platforms without proper protection.
- Opt for strong authentication: Use systems like 3D Secure whenever possible.
- Don’t miss the view: In face-to-face purchases, make sure the card is always under your control.
A growing concern
Global reports indicate that carding represents a significant proportion of financial fraud. For users, prevention is the best defense against this type of crime. By adopting good practices and remaining attentive to signs of suspicious activities, it is possible to reduce the risk of exposure.
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