Никогда не отрывайте глаз от кассира, если платите карточкой


Современные технологии, кажется, надёжно обезопасили нас от неприятной возможности, скажем, потерять карманные деньги или стать вдруг жертвами щипачей, которые незаметно «уводят» кошельки у ничего не подозревающих граждан. Сегодня многие из нас практически не пользуются наличностью, предпочитая оплачивать покупки и услуги при помощи банковской карты. Как ни жаль, у нечистых на руку людей и на этот случай появились способы творить беззаконие, и это иногда получается даже легче и проще, чем незаметно засунуть руку в чужой карман и вытащить кошелёк.

Когда вы отдаёте в руки магазина кассира свою банковскую карточку, чтобы расплатиться за купленное, думаете ли вы о том, что вашим деньгам может грозить беда? А между тем, это не мифический страх, а более чем реальная возможность.
Недавно стала известна новая форма мошенничества, к которой прибегают кассиры магазинов. От этого вида скимминга пострадали уже тысячи владельцев банковских карт.

Схема проста: принимая вашу карту, кассир проводит ею по терминалу дважды — в первый раз — чтобы списать сумму за оплату приобретённых вами товаров, а второй — чтобы получить с карты личную информацию, которую затем можно использовать для того, чтобы вас ограбить.

Отдавая свою карту кассиру, вы можете даже и не заметить, что он уже вас обманул.
Далеко не все люди каждый день проверяют состояние своего счета. Поэтому обмануть вас, списав деньги за один и тот же товар дважды, может любой кассир. Лишние деньги, списанные с вашего счета, он затем заберет в кассе.

Есть и другой, не менее простой, способ: кассир просто запоминает трехзначный секретный номер CVV, написанный внутренней стороне карты. Зная этот код и 16-значный номер вашей карточки, кассир или его сообщники могут сделать массу покупок в интернете, за которые будете платить… вы!

По словам экспертов, на эту аферу приходится 80% грабежей, связанных с банковскими карточками. Это больше $1 млрд в год в одних только Соединенных Штатах и Великобритании.

Что надо сделать, чтобы обезопасить свои деньги:

1. Не отдавайте карту кассиру в руки. Если он настаивает на этом, внимательно следите за его руками. Если по каким-то причинам он провел вашей картой в терминале дважды, запомните, за что именно вы расплачивались в этот раз, а придя домой, проверьте состояние своего счета через интернет-банкинг.
2. Скройте трёхзначный код на внутренней стороне карты (там, где магнитная линия). Можете просто его заклеить сверху, вы же свой код помните и так, верно?
3. В настройках карты укажите, что с неё нельзя совершать покупки онлайн. Для покупок в интернете используете отдельную карту, которая всегда будет дома и никогда — в кошельке.

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