Bank cards have become an integral attribute of the life of a modern person. But along with the convenience of refusing cash, risks also arise. Fraudsters take advantage of the credulity or carelessness of citizens and steal their money. And a bank card becomes the key to deferred savings.
♥ BY TOPIC: Can I connect missing (stolen) AirPods to someone else’s iPhone? Will Apple protection work?
You can often find a simple and effective means of protection – a sealed or smeared code on the back of a credit card. Does this make sense, and does such a solution work?
So that a three-digit number (security code) on the card does not see an outsider offering, for example, stick this place. This number itself is called the CVV-2 code or CVC2 from Card Verification Value / Code. The name may vary depending on the payment system. But the essence of this code does not change – with its help, an online payment is confirmed. In fact, knowing the data of the card: its number, validity date and this same code, anyone can make a payment from it.
Initially, the code was located on the inside of the card so that it could not be seen by an outsider. But this measure of protection is, of course, naive. It will not be difficult for an attacker to spy a number and remember it. One has only to pay by card in a restaurant or in a store, passing for payment to strangers, as risks arise. Nothing prevents a person unfamiliar to you to quietly take a photo of a card, use a hidden video camera or rewrite its data, and then try to pay online using them. And this is quite feasible, because not all operations require confirmation in the form of a code transmitted via SMS or mobile application. You can find many services that do not need additional verification. This is exactly what fraudsters need. They can order their own food, book a hotel, purchase digital goods …
Payments through questionable online stores or clone sites of popular services are also dangerous. In fact, you are transferring your card details to strangers. No one guarantees that this information will not leak or will not be used for payments for other purposes. And the cardholder will suddenly discover that a certain amount has disappeared from her. For payments on the Internet, it is better to create a separate card, but do not keep money on it, replenishing only the amount necessary for payment. You can set a spending limit for such a card. And for the main card it’s better to prohibit making payments via the Internet.
Such risks force cardholders to close the code on the back. Perhaps this will not bring benefits, but there will certainly not be harm from this. But to cover up the numbers with a marker or even erase them is definitely not worth it. If you close the CVV code, then so as not to harm the card. An opaque adhesive tape, corrector or washable marker are perfect for these purposes. In this case, the code is worth remembering, as you yourself may need it when making a payment on the Internet.
And in order to accurately minimize the risks of card circulation, it is best to switch to contactless payments. Services such as Apple Pay, Samsung Pay, Google Pay or the domestic World of Pay are already supported almost everywhere where there are terminals for receiving payments. It is not necessary to physically take out and use the card, so no one will be able to spy on its data.
Another protection option involves the use of the PayPal payment system. If the seller works with her, then you do not need to enter data from the card when making a payment. It is enough to log in to PayPal and pay with a card tied to the service. In Russia, this service is not as popular as in Europe and the USA, where at the famous auction eBay is generally the main one. But other payment systems: Yandex and QIWI do an excellent job of this task.