Important news – Block credit card fraud: Hide these 3 numbers, expert gives 8 tips for credit card safety.

A shocking case of cyber fraud has come to light from Gorakhpur, Uttar Pradesh, where a fraud of Rs 19,960 was done from the Block Credit Card.

In the complaint given to the police, the victim told that he had made a credit card with a limit of Rs 20,000 from State Bank of India (SBI). On October 26, he got a call. The caller introduced himself as a bank employee and said, 'Your credit card is of international level, whereas you are using it at the national level. Because of this your card is being charged.

The caller asked for credit card details to remove this charge. After this, Rs 19,960 were deducted from the victim's account. The victim contacted the bank and complained about the matter. The bank took immediate action on this and returned the deducted money.

After this, the victim youth got his card blocked, but after a few days again the swindlers withdrew money from his credit card. After this the victim complained about the matter to the police.

In such a situation, the question arises that how can money be deducted from a blocked credit card.

So let's go today needed news I will know the answer to this question. We will also talk about-

Expert: Rahul Mishra, Cyber ​​Security Advisor, Uttar Pradesh Police

Question- What is a credit card?

answer- A credit card is a payment card, usually issued by a bank. There is a fixed amount in it, which the user can use to buy any item. This amount has to be repaid in a fixed time. Credit cards also have a spending limit, which is decided on several parameters. It can also be increased or decreased.

According to the Reserve Bank of India (RBI), there were more than 10 crore credit card users in India by March 2024. Of these, 5 banks had 75% market share. This number is continuously increasing.

Question- Can money be transferred from a blocked credit card?

answer- Cyber ​​expert Rahul Mishra says that after the credit card is blocked, money transactions cannot be done with it. Many times, after complaining to the bank, users feel that their card has been blocked, but due to some reason it is not blocked. There is a risk of fraud due to this.

Question- What kind of scams can happen through credit cards?

answer- The main reason for credit card scams is theft of credit card number, card verification value (CVV) and expiry date. If someone has these three information of your card, then he can fraud you.

For this, scammers can do online shopping with your credit card using any international gateway. International Gateway is a means of online payment, in which OTP is not required for payment. For this only credit card details are enough.

Understand this with an example-

Suppose someone has a gateway from America and he has a credit card from India. In such a situation, only the card number, CVV and expiry date are sufficient to make purchases with that card. It does not require OTP of the mobile number linked to the credit card.

Question- What to do to keep the credit card secure?

answer- When you give your credit card for swiping at places like shopping malls, petrol pumps, the risk of theft of card details increases. Scammers can sell this detail outside India.

To avoid such fraud, memorize the three-digit CVV number of your credit card or note it down in your personal diary. Hide the CVV number written on the credit card with a permanent marker.

With this, you will remain secure while giving credit card at places like shopping mall, petrol pump. No one will be able to see your CVV number. Transaction will not be possible without CVV.

Apart from this, also keep in mind some other things given .

Question- What to do if you become a victim of credit card fraud?

answer- If any suspicious transaction has taken place on your credit card, immediately inform it to your bank. Also get the card blocked by calling the customer care number of the bank. Apart from this, also lodge a written complaint in your nearest police station.

Keep in mind that the sooner you complain after the transaction, the sooner the money can be returned. Therefore, complain immediately after deducting the money. Do not be careless in this matter.

Question- What precautions should be taken while using credit card?

answer- While using a credit card, the cardholder should keep some things in mind. Such as-

…………… Also read this news related to cyber crime Important news – If your email account is hacked: Identify with these signs