Are you afraid of cyber crime resulting in online frauds in terms of credit / debit cards or net banking and looking for some preventive safety measures to avoid such activities? Glance over this article which discusses few safety measures here to stay away from credit card, debit card and net banking frauds.
What is Cyber Crime?
This is a crime which is executed with the help of a computer and network which causes identity theft or personal information theft which in turn results in various Credit / Debit Card and Net Banking frauds. Few people called hackers are misusing the key factor of our development i.e. technology by accomplishing several financial frauds after stealing others' personal data related to banks account, credit cards or debit cards via computer.
Hackers have found many ways to steal confidential data from our computers or phones, so be alert and save yourself from such types of frauds before it harms you. Few tips mentioned here to avoid cyber crime, it's better to adopt preventive measures and stay away from these suspicious activities.
Tips to Avoid Cyber Crime – Credit / Debit Card and Net Banking frauds
Do not respond to phishing emails asking for personal data or bank information such as bank account number, user name, login password, credit card details etc. Remember banks never ask for such information. If you proceed further as per these types of phishing emails then you will handover all your sensitive information to the fraudsters who will leave you with no penny in your account.
Do not get trapped by scammers introducing themselves as bank or insurance company's representative over phone. They will first lure you with some rewards being offered to you then ask about bank details or policy details to receive rewards. Do not reveal your personal data related to bank account or insurance policies in front of them; you can ignore these types of fake calls and inform respective bank or insurance company about it.
Do not get directed to your bank website address through any suspicious mail, instead whenever required access your bank website by typing on the address bar of browser.
Do not store your confidential information such as credit or debit cards' details, bank account details, pin numbers, passwords etc in mail or phone as they might be accessed by hackers with the help of virus spread through an attachment in a suspicious mail sent from them. Suggest not to open attachments from these mails.
Avoid using public wi-fi for online transactions or online shopping. Always remember to log off after online work is over, especially when public network accessed or you were sitting in cyber café.
Be safe in shopping malls and restaurants with secure usage of credit cards / debit cards. Be present at the time of transactions and observe the card swipe action of person at the counter to avoid card skimming. Skimming is the process of illicitly obtained or copied information from the magnetic strip of credit or debit cards. Card skimming is carried with the help of a very small scanner attached to the card reader which records all personal information from the cards when swiped. One can retrieve data from this scanner later to clone cards and withdraw money from your account or do online frauds.
Always do online transactions or online shopping from a trusted website only. These websites are encrypted and they protect our personal data from hackers. This security can be ensured with the symbol of lock before URL and start of a URL with "https:"
Never throw your bills or receipts such as ATM receipts, restaurant bills, boarding pass etc without shredding. It is advisable to cut off these types of papers which contain your personal information like credit card number and bank account number. In case credit or debit cards get renewed or upgraded, do not throw it like that but you can cut it diagonally while disposing to avoid the misuse of cards if caught in wrong hands.
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A crime happens when there is a motive, there is an opportunity and the capacity to perform the criminal act.
As the motive and ability are not in our hands to be controlled, what we have in control is to avoid giving an opportunity. It is here that the prudent safety precautions come to play. One has to be very prudent and alert always. One should not be negligent. Healthy practices have to be cultivated.
This article gives some such tips of precaution to avoid cyber crime happenings to the possible extent.
One should not be just content with the past knowledge, but go on updating the precautions and safety steps.
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