According to the National Cybersecurity Institute, carding is a type of “FRaude in which cybercounts use stolen information that have compiled through several mechanismsto make unauthorized transactions. ”It does not consist in the theft of the physical card, but in obtaining the data of it to be able to make online purchases or get the money from different accounts associated with the card.
In this sense, the Bank of Spain warns of the use of Several techniques to get this digital robbery. From Phishing, Smishing, through the distribution of malware, violating databases or access to a fraudulent website are some of the cybercriminal tools. It is also possible to obtain the card handling the ATMs.
In this sense, today, the OCU has published an alert linked to carding. “From the OSI, the Internet Safety Office, They alert this fraud, which consists of using stolen card data, replicated on other virtual cardsto pay purchases, ”says the publication.
The strategies used by cybercriminals to steal the card, without realizing it may have to do with Open a link in an email, try to make a purchase on a fraudulent website Or that someone has digitally copied us the card with an NFC reader, although for this it is necessary to be very close.
Beyond deactivating the NFC reader on our mobile or smartwatch or not entering fraudulent sites, The best measure is to ask our bank to inform us of any purchase or withdrawal of money made with our card. That way we can know, instantly, if there has been a robbery.