A series of money burglaries in the “blink of an eye” and warning credit card users

Consecutive attacks to “hack” visa cards to steal money are a concern of many banks and card users. Sophisticated tricks, taking advantage of users loopholes, criminals have stolen visa card account information to carry out property appropriation.
Constantly losing money on accounts

Recently, the Criminal Police Department of Hanoi City issued a notice to promote prevention of foreign criminals, mainly related to the crime of credit card theft in the area. city ​​table …

According to statistics, since the end of 2018, there have been dozens of cases of foreign tourists having stolen credit cards, using “lighters” to buy many high-value items such as electricity. New phones, diamonds, gold, silver, jewelry … There are customers who are “swiped” to their credit limit, taking huge amounts … On January 13, 2019, Ms. Lee Kyong B. (Korean nationality) lost Master Card in Hang Ngang Street, Hang Dao Ward, Hoan Kiem District. This card was later scanned by a crook with a total payment of more than 122 million.

On the same day, Mr. Park Yong G. also lost 3 credit cards in Hung Vuong Street, Ba Dinh District, Hanoi and was beaten by the bad guy over 11,000 USD (about 250 million VND).

Police authorities found that the victims all used credit cards of foreign banks, only a few banks have branches in Vietnam, so it was difficult to investigate and account statements to get money back …

Hundreds of thousands of visitors have been paid in the market
After stealing a foreigner’s visa card, the bad guy quickly “swiped” the card to buy goods of great value
Not only foreigners have been robbed of money, but many Vietnamese cardholders have also stolen credit card information to “steal” large amounts of money.

Sharing with the press, Mrs. H.N recounted the loss of VND 33 million on Vietcombank card account even though the card was still in her pocket. Specifically, at about 5:25 pm on August 1, 2018, Ms. N received a message informing her that her Visa debit card Vietcombank was being used at a personalized-ceramics.com Lake Esinore US. Immediately after that, a series of messages deducting money from Facebook ads and Google ads, with information about deducting the total amount of VND 33 million from Ms. H.N’s card account.

Hundreds of thousands of visitors have been paid in the market
Image of consecutive cash transactions on Vietcombank Visa card account
Similarly, Ms. N.T.Trang (Hanoi) was also shocked when she discovered that her credit card had made a transaction at Southern Railway Web site but this customer had not heard the name or accessed. However, Trang has been deducted 27 million VND on the card and must file a complaint with the bank to resolve this incident.

Hundreds of thousands of visitors have been paid in the market
Photo of Vietcombank’s transaction complaint letter
This is not the first time Vietcombank’s customers have spoken about losing money in their accounts, but in the last four years, the bank has attracted attention when customers constantly reflect on the “evaporation” on money. Credit card account, ATM card … Just last February, Ms. Phuong Dung, Vietcombank’s customer in Thai Nguyen suddenly received a series of messages notifying the fluctuation of balance in her account and being taken lost 23 million.

Or Mr. Nguyen Anh Dung in Cu Chinh Lan, Hanoi reflects his “hacked” credit card, stealing the amount of 18 million from May 5/2013 to date. Dung has used MC2 credit card of VPBank with a maximum limit of VND 25 million. The method of crooks is to fake credit cards to steal 18 million at the retail system VNM HA NOI NGUYEN KIM THU on 2 occasions (late May and early June). But when customers report an emergency card lockup and handle the stolen money, VPBank will not give a solution to the risk and continue to charge high interest, causing annoyance to the cardholder …

Hundreds of thousands of visitors have been paid in the market
A customer shared a warning about money theft from credit card
In fact, many victims get caught in such a bitter money-losing situation even though the credit card is still in their wallet, or does not access any strange links … Although the victims reported the lock. card, notify the bank and report to the police, but the money was stolen also difficult to recover.

Recommendations to credit cardholders

Hundreds of thousands of visitors have been paid in the market
The cardholder should delete the CCV number sequence on the back of the card. Artwork image
In fact, the situation of losing money on credit card accounts is more and more happening, the amount of stolen money is also larger. When an incident occurs, most customers only contact the bank to lock the card to prevent further withdrawals, then wait for the bank’s complaint resolution process, and it is difficult to recover the money. lost. Even, many credit cardholders have to burden “god” debt hundreds of millions of dong with very high card interest rates up to 45% / year …

For years, banks have been promoting the widespread opening of credit cards, the points of accepting credit cards … have contributed to making card crime more complicated. magazine. In some countries in Europe and America, when making payment at the swipe, the staff always compare the name and signature printed on the card with the person who is paying, if you agree, then agree.

Therefore, to avoid the loss of unjust money, credit card users can consult some small “tips”, limiting the risk of losing unjust money.

Firstly, after receiving the card, the cardholder should scrape (or tape) the last 3-4 digits printed on the back of the card (also known as the CCV number).

Secondly, when using a debit card, do not put too much money in your account. Only when you need to pay for something, send money to this account to use.

Thirdly, cardholders should use mobile payment and store the card carefully.

Fourth, always use “strong” passwords with online accounts, and use 2-layer security.

Fifth, cardholders can also request the bank to suspend online transactions, when there is a need for shopping, they can request to reopen this service.

In addition, in May 2019, the group of 7 banks in Vietnam with the number of ATM cards accounting for about 70% of the total number of cards nationwide registered to convert with Vietnam National Payment JSC (Napas) from magnetic cards to cards. chip according to EMV standard. The switch to chip cards has a higher level of security, which will limit the risk of customer information theft.

According to Napas, the advantage of chip cards is that the information contained in the chip is encrypted and only the issuing bank can read the data in the chip and the chip card cannot be faked. Switching to using chip cards will overcome the problem of card thieves stealing card data to make fake cards to withdraw money.

(According to KTMT Magazine)