An Unethical Hacker/Cracker/Cyber Criminal has many ways to gather a credit card number from an Victim. The most common one is known as phishing, Desktop Phishing, Tab Napping, Ex: – www.paypala.com Instead of www.paypal.com or onlinesbl.com instead of onlinesbi.com or lcalab.com instead of icalab.com [Always check URL before login in any Online Bank account].
HOW A CRIMINAL USES PHISHING METHOD
In this technique, the hacker poses as an officer within an organization, let’s say Visa. The hacker sends to a group of email accounts an alert, instructing the receiver to follow determined set of instructions before his credit card is cancelled. If the user is not aware of this kind of fraud, he will insert his credit card number, his name and expiration date without knowing he is going to be a victim of an online crime.
Another way for hacking credit card numbers is through a website. The hacker only needs to hack the systems of an online retailer, let’s say, Snap deal, ebay and search for the database where the retailer stores the information of all of the users who have made recent transactions.
The third way is through the online process of buying. Let’s say an adult finds a website with adult content that he or she finds attractive. It’s quite probable that the website is only a masquerade for acquiring credit card information from you.
TIPS TO STOP BANK OR CREDIT CARD FRAUD
There is some way to Protect your credit cards and bank accounts from the hackers is that to check URL before putting your password and important data” that your sharing your information with right organization or not .
Example if you’re going to do online banking or any online login at that time check your URL that your trying to login in Original website or fake Now You can easily find which one is fake website www.bankofindiaka.com or www.bankofindia.com.
Protect your Personal Identification Number (PIN) or secret code when using your card (at the ABM and at a merchant). Memorize your PIN. Do not write it down anywhere. Change your PIN regularly and do not choose one that is too obvious (e.g., your date of birth, address or part of your telephone number). Don’t share your PIN with anyone.
Never divulge your card number by phone unless you are doing business with a very trustworthy company. Only give the number if you initiated the transaction.
Be aware of online purchases on a public Wi-Fi connection easily hackers can make you target if you’re doing online transaction on public wifi If you find yourself using public Wi-Fi often, consider getting a VPN, which is more secure.
Use different passwords on different sites. Ignore pop-ups because it can contain malicious software which can trick a user into verifying something.
Lock your phone and tablet devices to prevent another to use your cell phone to do any malicious stuff
Don’t forget to destroy any cards that you no longer need so that no one else can use them. Each time you use your card, make sure that you are returned the right one after paying. When at work, never leave your credit cards unattended. More credit cards are stolen at work than from any other location. Never leave your credit cards in cars or any unsafe place. A large percentage of credit card thefts are from vehicles. While travelling, keep your cards on you or in a safe location.
Always check your monthly account statement. Make sure that the transactions are yours. Immediately notify the Bank or issuing company if a card is lost or stolen.