存在各种类型的财务欺诈，例如身份盗窃，税务欺诈和银行欺诈。与信用卡有关的欺诈行为被归类为银行欺诈。由于全球网上银行活动的增加，信用卡(Credit)欺诈呈上升趋势。人们现在更多地选择在线交易而不是现金交易。黑客和网络犯罪分子在信用卡盗窃和欺诈中使用不同的方法。最突出的欺诈之一是梳理(Carding)。
什么是 Carding 信用卡欺诈？
梳理(Carding)是信用卡欺诈的一种形式，其中被盗的信用卡用于向预付卡收费。信用卡欺诈者被称为Carder。刷卡者为窃取信用卡号码并重新使用它们购买预付卡而进行的欺诈活动称为刷卡(Carding)。欺诈者甚至可能出售这些预付卡或使用它们购买任何其他商品。这些商品可能会进一步转售以换取现金。
阅读(Read)：避免在线诈骗并知道何时信任网站(Avoid online scams and know when to trust a website)。
什么是网上刷卡？
当欺诈者试图使用被盗的信用卡号进行在线交易时，称为在线(online carding)刷卡。在这种网络安全威胁中，窃取者会尝试多次并行尝试来授权被盗信用卡的凭据。对于此活动，犯罪分子可能会使用机器人程序，这是一种通过Internet(Internet)执行自动化操作的软件。
信用卡和借记卡持卡人总是被告知信用卡欺诈。他们被告知如何确保他们的卡安全和交易安全。然而，尽管采取了所有措施，人们还是成为信用卡欺诈的受害者。根据尼尔森报告，信用卡欺诈或刷卡在(Nilson Report)美国(United) 平均每年增加 29 % 。(States)据估计，2023年因刷卡信用卡诈骗造成的损失可能高达406.3亿美元。
阅读(Read)：避免网上购物欺诈和假日季节诈骗(Avoid Online Shopping Fraud & Holiday Season Scams)。
梳理如何工作？
刷卡人使用不同的方法来获取信用卡号码。网络钓鱼攻击在这种盗窃中很常见。欺诈者还可能从暗网上购买被盗的支付卡号码。有时，黑客可以访问电子商店或网站的卡支付系统并获取信用卡或借记卡号码列表。黑客通过使用扫描仪从磁条上复制编码来获取信用卡信息。
一旦刷卡人获得信用卡号码，他们就会检查卡是否处于活动状态并且客户尚未报告盗窃。这通常通过在电子商务网站上进行几笔小额交易来完成。在线(Online)梳理也是在机器人的帮助下完成的。
Carders 使用这些活跃的信用卡购买预付卡或礼品卡，这些卡进一步用于购买商品。电视、笔记本电脑和其他电子产品等购买的商品以现金转售。
阅读(Read)：信用卡略读和密码盗窃欺诈(Credit Card Skimming and Pin Theft Frauds)。
如何防范Carding信用卡欺诈？
借助以下提示，可以避免梳理或在线梳理：
- 激活(Activate)信用卡通知
- 尝试识别网络钓鱼尝试
- 安装好的反恶意软件。
1]激活(Activate)信用卡通知
几乎所有银行和信用卡发卡机构都提供通知和警报服务。这些警报是标记信用卡欺诈性购买的最佳方式。每当您的信用卡进行本地或国外交易或余额超过一定限额时，您都可以激活短信和电子邮件。在这些通知的帮助下，您也许可以抓到一个梳理机。
2]尝试(Try)识别网络钓鱼尝试
并非总能找到网络钓鱼攻击(phishing attack)，但您可以识别出攻击的迹象。来自未知来源的消息或电子邮件通常是网络钓鱼攻击的阶段。切勿(Never)单击链接、下载附件或回复这些消息或电子邮件。它可能是这些电子邮件或消息中计划的恶意软件，在您单击链接的那一刻就会被下载。一些诈骗者会创建误导性表格或调查问卷，让您分享个人信息，例如您的信用卡详细信息。密切关注此类请求。
3]安装(Install)好的反恶意软件
有时，恶意软件攻击者会试图引诱用户下载受感染的软件，例如免费游戏或免费应用程序。该软件通常包含间谍软件、病毒和其他有害程序。安装好的防火墙和防病毒程序有助于避免下载此类受感染的软件。
随着新病毒和恶意软件的定义在这些程序中更新，有必要更新防病毒程序。始终从知名且受信任的来源下载防病毒程序。
阅读(Read)：什么是虚拟信用卡(What are Virtual Credit Cards)以及如何以及在哪里获得它们？
发现任何梳理(Carding)活动时应采取的措施
如果您发现信用卡上有任何刷卡活动，请采取以下措施：
- 联系(Contact)银行或信用卡发卡机构，告知他们您卡上的任何可疑活动。
- 交叉检查(Cross-check)您的信用卡和网站上的安全登录名和密码。如果您感觉如此，请重置它。
- 发送申请以阻止信用卡，以避免任何进一步的欺诈行为。
- 对涉及的所有系统（包括您的网站和笔记本电脑）运行完整的病毒和恶意软件扫描。
如果你被卡丁(Carding)抓住了怎么办？
Carding 信用卡欺诈的处罚因国家/地区或州而异。在美国，信用卡欺诈也是一项联邦罪行。
希望这篇文章有所帮助！
现在阅读(Now read)：十大最常见的在线、互联网和电子邮件诈骗和欺诈(Top 10 most common Online, Internet, and Email scams & frauds)。
How to protect against Carding credit card fraud?
There are various typеs of financial frauds suсh as idеntity theft, tax fraud, аnd bаnking fraud. Τhe frauds related to credit cards are categorized under banking fraud. Credit card frauds are on the rise due to іncreased online banking activitіes aсross the globe. People are now oрting more for online transactions rather than cash transactions. Hackers and cyberсriminals are using dіfferent methods in credit card thefts and frauds. One of the most prominеnt frаud is Carding.
What is Carding credit card fraud?
Carding is a form of credit card fraud in which a stolen credit card is used to charge prepaid cards. The credit card fraudster is known as a Carder. The fraudulent activity carried out by a carder to steal credit card numbers, and reusing them to buy prepaid cards is termed Carding. The fraudster may even sell these prepaid cards or use them to purchase any other goods. These goods may further be resold for cash.
Read: Avoid online scams and know when to trust a website.
What is online carding?
When the fraudster tries to use the stolen credit card number for online transactions, it is termed online carding. In this web security threat, the stealer tries multiple, parallel attempts to authorize the credentials of a stolen credit card. For this activity, the criminal may use bots, a type of software that performs automated operations over the Internet.
Credit and debit cardholders are always made aware of card frauds. They are instructed about the ways to keep their cards safe and transactions secure. However, despite all measures taken, people have become victims of credit card fraud. According to Nilson Report, credit card fraud or carding has increased by 29% per year on an average in the United States. It is estimated that the loss due to carding credit card frauds may go up to $40.63 billion in 2023.
Read: Avoid Online Shopping Fraud & Holiday Season Scams.
How does Carding work?
The carders use different methods to acquire credit card numbers. Phishing attacks are common for this kind of theft. Fraudsters may also buy stolen payment card numbers from the dark web. Sometimes hackers gain access to an e-store’s or website’s card payment system and acquire a list of credit or debit cards numbers. Hackers procure credit card information by using scanners to copy the coding from the magnetic strips.
Once the carders have the credit card number, they check if the cards are active and the customer hasn’t yet reported the theft. This is often done by making several small transactions on e-commerce sites. Online carding is also done with the help of bots.
Carders use these active credit cards to buy prepaid or gift cards, which are further used to purchase goods. Purchased goods such as televisions, laptops, and other electronics are resold for cash.
Read: Credit Card Skimming and Pin Theft Frauds.
How to protect against Carding credit card fraud?
Carding or online carding can be avoided with the help of the following tips.:
- Activate the credit card notifications
- Try to identify a phishing attempt
- Install good anti-malware software.
1] Activate the credit card notifications
Almost all banks and credit card issuers offer the service of notifications and alerts. These alerts are the best way to flag fraudulent purchases from your credit card. You can activate text messages and emails every time there is a local or foreign transaction from your credit card or your balance has crossed a certain limit. With the help of these notifications, you may be able to catch a carder.
2] Try to identify a phishing attempt
It is not always possible to find a phishing attack, but there are signs of the attack that you can identify. A message or an email from an unknown source is often the stage for phishing attacks. Never click on the links, download attachments, or respond to these messages or emails. It may be malware planed in these emails or messages, which gets downloaded the moment you click the links. Some scammers create misleading forms or questionnaires that make you share personal information, such as your credit card details. Keep an open eye on such requests.
3] Install good anti-malware software
Sometimes malware actors try to lure users to download infected software such as a free game, or free app. The software often contains spyware, viruses, and other unwanted programs. Installing a good firewall and antivirus program helps to avoid downloading such infected software.
It is necessary to update antivirus programs as the definitions of new viruses and malware are updated in these programs. Always download the antivirus program from well-known and trusted sources.
Read: What are Virtual Credit Cards and how and where do you get them?
Actions to take in case you notice any Carding activity
If you notice any carding activity on your credit card, take the following actions:
- Contact the bank or credit card issuer and notify them about any suspicious activity on your card.
- Cross-check the security login and password of your credit card and on the website. Reset it if you feel so.
- Send an application to block the credit card to avoid any further fraud.
- Run a full virus and malware scan of all systems involved including your website and laptops.
What happens if you get caught Carding?
The punishment for Carding credit card fraud varies from country to country or state to state. In the US, credit card fraud is also a federal offense.
Hope this post help!
Now read: Top 10 most common Online, Internet, and Email scams & frauds.
