Many of us know that “free cheese is only in a mousetrap,” but sometimes we forget about it, and fall for the fraudsters. Nowadays, Internet swindlers, who find increasingly sophisticated means of fraud, have become particularly common. But knowledge of basic schemes and tricks can protect you from losing often large sums of money. Let’s take a closer look at these online deception methods.
“You have won a prize” or “buy a car with a 90% discount”
If you receive a message or call on a mobile phone about winning or a huge discount on large goods, then the temptation is great. However, in return you are asked to pay a small tax or send money to confirm participation. You can be sure that they write or call you scammers. No one will give out money or equipment, and especially cars or apartments, just like that.
“By mistake sent money to your card”
A recharge message is sent to your number. After some time, an unknown number sends another message with a request to transfer money back, as he was mistaken with the card number. Although the case looks like quite real, do not rush to transfer funds to another card. Check your balance on which in all likelihood there has been no change. And this means that you wrote scams.
Another type of fraud can be attributed to this category, when deceivers send SMS or call on behalf of a relative who got to the police. For example, “Your son has been arrested. I need money for a lawyer. ” Often such news is reported at night when a person is more dispersed. In this case, it is better to call a relative and ask personally if he needs help.
Suspicions can also be caused by messages from the payment system with a password if you have not performed any operations. Especially, if the account holder allegedly calls and asks to dictate this password. In no case do not transfer this data to strangers, so you can access the funds in the account.
“You won 100,000 hryvnia among all of our bank’s customers, give us the account number”
A fake bank employee may also ask you for your cardholder’s name, pin or CVC2 / CVV2 (code for protecting online payments) and other data in order to access your account. Calling the secret information you allegedly get the prize in the lottery, in fact, the scammer will take possession of your money. An even more sophisticated way is to call for help recovering data after a fire, flood or other disaster.
You can not disclose security passwords and codes even to bank employees. You can find out information about the status of your account at the official support number of a financial institution.
Your money can go to the scammers and if the store offers to transfer money for shipping, installation or pay the commission not through the payment system, but simply to another person’s card.
How to protect yourself from cheating scam?
Although scammers are excellent psychologists and manipulators, it is still worth getting acquainted with the intricacies of bank payments. Be careful not to give in to emotions and check the information. In any case, do not be afraid to contact the specialists and support service.