Credit card fraud is one of the most relevant security problems we can suffer on the Internet. Although we take preventive measures, millions of threats can steal our bank accounts.
Next, we will give you some keys to detect card fraud in time after making purchases online.
DETECT CREDIT CARD FRAUD EARLY
We usually make purchases online, thinking it will be impossible for our cards to be stolen, but it can happen. So, it is better to be forewarned and know how to act to detect any fraud.
BANK APP NOTIFICATION
Getting your bank’s app on your phone and turning on notifications will be the best way to determine if someone has paid with your card. When you receive a notification of a transaction, no matter how small, check where it came from and if you did it.
We can see at what time, day, and place the payment was made; this will make it easier for us to know if there is fraud on the card.
If you need more clarity on the mobile phone, another option is to configure our bank account to send an email when carrying out any operation. We will get the same information as the app notification on one platform.
In both cases, we can be aware of the information of each transaction.
ENTER THE BANK ACCOUNT
If neither of the above is possible, the best way to check for credit card fraud is to go directly into your online banking account. From the website, we can obtain all the information about the payments and income of the account.
Although it may seem old-fashioned and obsolete, you can also choose to have a bank book and update it periodically.
WHAT TYPES OF CREDIT CARD FRAUD EXIST WHEN BUYING ONLINE?
Before explaining what to do in case of credit card fraud, we will specify what types of attacks cybercriminals can use to obtain the card number or make a fraudulent charge.
FAKE WEB PAGE
The easiest way to steal a credit card is to create a fake web page. The cybercriminal practically clones a business page, for example, a clothing store.
He will try to make the website as similar as possible to the original and have the same products as the physical store, where you can buy them.
But there is the plot. When you purchase on that website, it will ask you for a payment method, where you will provide your bank card.
Once the purchase is made, you will never receive any product, and, in addition, they will have managed to find out your credit card number, being able to make payments without you noticing.
PHYSICAL THEFT OR LOSS
It is the easiest way to get a credit card. If we have lost it and someone finds it, they can use it anywhere. This could lead to significant economic losses since many businesses do not ask us for the PIN when we pay by contactless.
If they want to make purchases online, they will only need the card number and the security code that appears behind it, so the best option, if our credit card is lost or stolen, is to block it as soon as possible.
WHAT TO DO IF WE HAVE SUFFERED CREDIT CARD FRAUD?
BLOCK THE CARD
As soon as we perceive that we have lost the card or that payments are being made from our account, the first thing to do is block it.
Today to block the credit card, it is only necessary to enter the application or bank account, and there it will give us the option to do so.
If our bank does not allow us to carry out this procedure online, you can call a 24-hour number that is enabled for this type of incident.
If we have become aware of credit card fraud and transactions made without our consent, we will need to collect all receipts for those payments showing the establishment’s name, time of payment, etc.
All this will help us to claim and be able to report credit card fraud.
MAKE A COMPLAINT
To report credit card fraud and live in a city, we must go to the National Police; if we live in an urban area, we must go to the Civil Guard.
The best option to avoid falling prey to cybercriminals when shopping online is to keep all systems up to date and have a good cybersecurity solution capable of blocking threats that exist on the Internet.