Scammers steal credit card details in ways you never thought of

Cyber criminals and malicious scammers are constantly at work to devise new ways to steal confidential user data. Unfortunately, such attacks are not just restricted to the Internet. A recently discovered spate of attacks enables scammers to steal credit/debit card details and these methods are increasingly carried out in the physical world.

In brief, here are the 5 most common places from where credit/debit card data can be stolen:

  • Restaurants and retail stores
  • Online shopping portals
  • Hacked email accounts
  • ATM machines
  • Thieves and pickpockets

Restaurants and retail stores
Some scammers have devised ways to tamper with the card readers at retail stores. Malicious smart cards that look like legitimate cards are created and then inserted into the machines to make a payment. However, the machine simply says than an error has occurred and the retail store merchant is unaware of the damage that has been done. When a genuine payment is made with a valid card over the same machine in the future, the details of that card get recorded. Now the scammer revisits the store after a day or two and inserts the fraudulent card into the machine to make another seemingly innocent payment. Details about all the cards that have been inserted in the interim period are now transferred into the malicious card which can be viewed by the scammer via another device.

Retail store card fraud

Online shopping portals
The best online shopping portals mandatorily use secure methods to protect user details. Unsecure portals are susceptible to hackers and can easily lose data to scammers. There have been several instances where major online portals have been breached and card details have been stolen and misused. From a customers perspective it is advisable to be aware of the concept of SSL and security certificates. Additionally, the best Internet security software installed on a machine can also detect fraudulent pages and portals.

Hacked email accounts
Many people receive and pay their credit card bills via email. So if a hacker manages to gain access to an email account, he can cause a lot of trouble. It is imperative to use various tools for email protection like two-factor authentication, strong and unique passwords etc. Mail services like Gmail and Yahoo also offer other methods to check if your account has been hacked into, and these are worth exploring as well.

ATM Machines
Theft of card data from ATM machines is known as ‘skimming’. This is accomplished with the help of simple card reading equipment and a small camera that records an individual when he punches in his PIN. Scammers also use equipment that replicates the magnetic strip of cards. However, various steps can be taken to avoid such attacks and this includes shielding your hand while typing the PIN and being aware of suspicious looking machines.

Thieves and pickpockets
Physical loss of possession of cards is the biggest risk in this scenario. It is advisable to report a card loss to the concerned bank and local authorities as soon as possible. Another noteworthy precaution is to monitor card statements and activity for any signs of malicious activity.

Credit/debit card usage is convenient yet dangerous as scammers have come up with several innovative methods to gain such information. Readers are advised to stay vigilant and follow various safety measures to remain protected.

Rahul Thadani

Rahul Thadani

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Nirav Zaveri
Nirav Zaveri
8 years ago

Brilliantly explained..
Thanks for sharing the information and expertise!

Gautam
Gautam
8 years ago

Thank U Rahul for your valuable information.

Gautam Arun
Odisha

Prakram
Prakram
8 years ago

This is a good way to steal credit card details from Restaurants and retail stores but this a method or the problem.
How can we(consumers) prevent it from happening ??

Shailesh
Shailesh
8 years ago
Reply to  Rahul Thadani

Look Rahul,

If the stores are not involved in the scam, where is a question of trusting or not trusting a store? It has to be convencing and serious if it is possible.

Thanks
Shailesh

Priya Singh
Priya Singh
8 years ago

Its really a helpful information, it should be read by all the persons who are using their credit care carelessly.

abdrahim mohamed
abdrahim mohamed
8 years ago

Thank you too mutch

harsha
harsha
8 years ago

the card fraud at retail store…i did not get it..pls explain in detail….

Shailesh
Shailesh
8 years ago
Reply to  Rahul Thadani

How a card reader will upload a programme through card reader? Are the card reader so badly designed that a software can be installed throgh reader? One need to demonstrate the same in presence of the manufacturer and police in interest of society so that if so it can be corrected.

Dear Rahul it will be great if you take initiative to support your point.

Thanks.

Anup
Anup
8 years ago

you are making me nervous…..
I feel like giving up online transactions

P K BOSE
P K BOSE
8 years ago

Restaurants and retail stores This method is not possible — I have never seen any POS terminal which can be programmed by a card itself. POS can only be programmed externally and present terminals use highest level encryption system. This can be done by the bank itself. Online shopping portals Presently VBV and MSC 2nd level protection should be used. It is practically impossible to hide a fraud purchase as online purchase records delivery details. Most online payment gateway records IP. Hacked email accounts Hacker only get the card number from the credit card statement, not more than that. So… Read more »

raj
raj
8 years ago

how to get it protected ? do you have a solution from your end ?

vijayakumar
vijayakumar
8 years ago

How do you prevent yourself becoming a victim of card data theft at retail stores? This is not explained. How I am defrauded is explained, but how to prevent is not told-which is not a big help.

UDAY ATHAVALE
UDAY ATHAVALE
8 years ago

WHAT SHOULD WE DO IN RESTAURANT AND HOTELS?

Ashim Ghosh
Ashim Ghosh
8 years ago

Thank you for this info. Never really knew about it.

Ananya
Ananya
8 years ago

Thank you for the update but what’s the solution? What are the “various safety measures” that we should follow “to remain protected”?

srini
srini
8 years ago

very useful information. thank u so much,

Shyam
Shyam
8 years ago

very important update for every cardholder, but can you provide more details and remedies for the ways of getting cheated by the use of a credit or debit card.

rajesh khan
rajesh khan
8 years ago

very nice anti virus quick heal total security

S.K.Agrawal
S.K.Agrawal
8 years ago

Thank You…. For Giving the tips about the “Retail Store Card Reader Fraud”….

user
user
8 years ago

please provide additional steps to prevent scammers from stealing our credit/debit card data. THANKS !!!

RAMESH SANGAMNERKAR
RAMESH SANGAMNERKAR
8 years ago

Will you throw some more light about protection of credit/debit cards at retail stores/shopping malls/ restaurants.

Raghu S M
Raghu S M
8 years ago

Thank you for the update suggestion what is the solution for the same can you?????????

Rajendran Rangasamy
Rajendran Rangasamy
8 years ago

Thanks for the useful information.

Sukriti Kundu.
Sukriti Kundu.
8 years ago

Item new but unknown.

Sunil Pushpangadan
Sunil Pushpangadan
8 years ago

Very valuable information. How to keep check whether scammer / attacker has already swipped fradulent card before us.

deepak goswami
deepak goswami
8 years ago

i am using quick heal total security,i want to know how much safe i am from all this frauds..

Dipankar Parui
Dipankar Parui
8 years ago

Thanks for providing the updates. But these are not absolutely new.Almost all the card holders know about these but hardly care about. The lesser the use of cards, the better.

Koushik
Koushik
8 years ago

How one will prevent “Retail store card reader fraud”…?

Biswajit Chatterjee
Biswajit Chatterjee
8 years ago

Thanks for the valuable information.

DR Vijay Garge
DR Vijay Garge
8 years ago

Veru very useful info in very simple understandable words. Thanks

Harish
Harish
8 years ago

Very Good information. We have a Store where many cards are swapped daily. How can Card Data be stores in a Machine ? I am Shocked.

Harish
Harish
8 years ago

I am the victim of online shopping scammers I Purchased a railway ticket from irctc and very next day some one made transactions near about 11 thousands in dollars from London. I complained to the card authorities but they first refused to reverse the amount but later on they reversed the half of that amount rest amount still there. How can I pay when it is not done by me. Please advise.

satya
satya
8 years ago
Reply to  Rahul Thadani

thnx for this

Biju
Biju
8 years ago

Nice article. All the symptoms have been clearly explained. But no remedy. What do we do to prevent the hacking at the retail out let ??

Shiv Kumar
Shiv Kumar
8 years ago

Be careful, use your credit cards, atm carefully at authentic places.

Dilip
Dilip
8 years ago

Useless fellows in every office do keep their eyes vigilant for looking at every persons while logging for mail, easy recharge, personal banking etc. and use /transfer this information in using undue advantage of any persons, even the closest collegues/frineds/cronys.
In this husle-busle of every day busy life We should be vigilant enough to keep a watchful eye whether such caterpillar is near or not. We should be alert enough to not to let any such nasty person using your valuable information for their own luxuries, which they can’t afford.

Raj Naidu
Raj Naidu
8 years ago

Thanks for your valuable information, its very clearly explained but there are no explanations given how to be safe and i request you to update this article with those information.
thanks in advance

vasant
vasant
8 years ago

This is very serious matter.I hope quick heal can help to give early warning in case of such crime is done on line.Regards.

Sunil Mehta
Sunil Mehta
8 years ago

Very informative. Thanks for explaining the methods.

Ankit
Ankit
8 years ago

Brilliantly explained..
Thanks for sharing the information and expertise! Thnx sir???????

Regards

ankit verma
frontier agencies pvt.ltd

Vijay F.
Vijay F.
8 years ago

What precaution can we take to ensure we protect our card from being misused by a retail store, when we hand over our credit card to them?
This we we are at risk everytime we hand ove a card to a restaurent / petrol pump / retail shop.

Kailash Chandra
Kailash Chandra
8 years ago

Thanks for spreading awareness in public.

pragnesh
pragnesh
8 years ago

An article is half written !! No article is full untill it provide full information on subject and how can people get safty mesure on that particular subject.
Do people stop useing credit cards, how many such instance take place do Credit card authority working on it or awer off? such things should be provided.
i appriciate light on hacking.

Anil Shekhawat
Anil Shekhawat
8 years ago

You Are Such A Great Guy ,,,,SO Thanks TO Save Us And Give Us This Priceless And So Important Information Sir…

vasant joshi
vasant joshi
8 years ago

You have shared valuable information.

Ashish Sharma
Ashish Sharma
8 years ago

Do you know what “SKIMMER” is?

vasant joshi
vasant joshi
8 years ago

Every one having bank debit card must know these points.

vasant joshi
vasant joshi
8 years ago

No thanks.

Raj Dhanuka
Raj Dhanuka
8 years ago

Yet another method of hacking credit/debit card is tele market calls from various sources and gather your personal information like dob, address, phone number, spouse name, bank names etc. These informations are gathered over a period by different person and collated.

Plz be careful before parting with any of these information

Indrasen
Indrasen
8 years ago

Thanx buddy..u’v enlightened me.

PREM PRAKASH SHAUKEEN
PREM PRAKASH SHAUKEEN
8 years ago

THX. RAHUL FOR SUCH A VALUABLE ADVISE.

deb
deb
8 years ago

In the case of restaurant retail stores Please confirm if in case the machine is switched off after the fraud card is swiped and restarted then will the data still get transferred after swiping the correct card on re-starting.

BikashKashyapKhilsineyAdhikariChujachenPamRongliEastSikki
BikashKashyapKhilsineyAdhikariChujachenPamRongliEastSikki
8 years ago

yeah yeah you are right Rahul Sir ji…

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