Russian people have always loved "freebie". Maybe because in our country prosper and flourish fraud. Today MirSovetov tell you about how not to fall for the bait "lohotronschikov" and save their money for the use of ATMs and terminals.
I'll start with the life history. Two years ago I worked in the pension. Once at the reception came to granny, old lady very much. The request was very simple and came to the fact that we transferred her pension from the bank at the post office. It is, of course, Grandma is convenient, do not go anywhere, retirement home, the postman is. It turned out there are not so simple. At 79, the woman could not grasp the use of ATM. Cause and asked 22-year granddaughter to go to get a pension. Grandson went, but returned without the money. He was in a hurry and instead withdraw the funds transferred babulinu retirement "for charity". Buttons confused. Well, tell me, why do we need crooks - we ourselves give money.
This story was told to encourage you, dear readers MirSovetov to care. Especially when it comes to your cash! And now, actually, let's talk about these scams and how to avoid them.
Over the last 5-7 years we are so accustomed to ATMs and electronic payments via terminals, which are now hard to remember, but that was before them. Yes, and do not want to remember - in fact keep money on the map so convenient! But with the increasing number of ATMs, a growing number of those people who wish to use them to illegally enrich themselves. Where once it seemed that such machinations are only in the movies, then today they have become painfully real.
Truth about Skimmer
Perhaps you first hear this word. While banks are at war with this device for 8 years. Skimmer - this is superimposed a special device to the ATM, which reads your card number.
Scheme to swindle the pain is simple. You make any transaction using the ATM and, suspecting nothing, go about their business. While fraudsters using skimmers considered all the information on your card at any time, make it a duplicate and zeroing your bank account.
Where did they find out your PIN? There are several options. The most basic - a man standing behind you in the queue just podsmotrit PIN for your back. However, fraudsters have devised several ways. They can be sprayed on the keyboard special spray, which would be clearly visible you press the keys. Or will install ATM Micro, and you will not notice, because it is hidden behind a bundle of advertising leaflets.
A set of "clean" plastic cards, of which will be made to duplicate, is priced at $ 30 per 500 pieces. After a little creative calculations, it is clear that there will be repaid a set of con artists almost since the first "client". Of course, the chances of losing equipment, but apparently game is worth the candle. Moreover, the set skimmers for a few hours, often at night, when the vigilance of citizens blunt.
The money stolen in this way is practically impossible to return, so you should be very careful not to fall for tricks fraudsters.
And banks are raising the alarm. If such devices previously found only in Europe, but now they appeared in the CIS. Many banks have begun to conduct video surveillance of the ATM, use a special sensor alarm. There was an attempt to switch to plastic cards with microchips, which are virtually impossible to forge. But the new cards were very expensive and did not stand the competition.
Yet another option - to set antiskimmerov - special pads on the card reader, which makes it impossible to install the skimmer. They appear approximately as follows.
In Europe for several years ATMs are equipped antiskimmerami. They come in different colors - red, blue, green. And on the ATM screen displayed photos of the keyboard and card reader in a "normal" state. But it's better to play safe and avoid trouble, cashed the money in a well-protected ATMs or offices of the bank.
ATM phantom
This is undoubtedly the most expensive type of fraud. Criminals have started using fake ATMs. They appear as the most common ATM, indicating a real banking information. Only a matter of fact - it's just a blank box, equipped with a skimmer. You enter the pin, trying to withdraw funds, and displays a message about technical difficulties, or that there is no Cash. Minute of the case and a fraud has all the necessary details of your bank card. The plastic cards back, and you, not suspecting anything, go look for another ATM. While the crooks reset your account.

    Council of MirSovetov. Not only well inspect the ATM, but also try to move him. Typically, ATM phantom loose and easy shifting. Also, try to use the same ATM, say close to home or office. Then you will see a skimmer in the case of its occurrence, not plucked for fake ATM. Do not take risks and do not cash out money in suspicious ATMs installed in the little guarded, in the newly installed ATMs.

"Lebanese loop"
Another clever trick. The purpose of this fraud is mastering your credit card. And if the previous methods of fraudsters had to have a special device, in this case need only an ordinary film. Although there are craftsmen, to imagine a more "elegant" device.
Situation. Fraudster makes a film a special pocket that puts a reader. The ends of his pocket unnoticed establishes the outside reader. You have decided to withdraw the money, inserted into the ATM card, enter PIN, and perhaps even cashed a certain amount. Only ATM card back to you did not. You are in a panic. "Good" people from the queue is called to help, explaining that the matter with him, too, happened. He pushes some buttons, calms you, and, in fact, a minute or two you could not help telling him pin-code. Extract the map does not, and you (on the advice of the same "good man") at breakneck speed run to the bank to understand. Or call, but you say that the map will draw only at the end of the day for collection. You go away and waiting for a call from the bank. At that time, the fraudster removes the loop and takes your bank card. You understand, do not need to copy him - he has the original card and your PIN. Can you believe that money in your account no longer exists.

    Council of MirSovetov. In this situation, you would save only their own vigilance. Typically, card reader on the perimeter a little noticeable edge "Lebanese loop". Try to hold your finger on the edges of the card reader, touch, too, can feel something was wrong. And more. Never, under any circumstances give out your PIN to your bank card to ANYONE.

Other types of fraud with bank cards
Unfortunately, there are other tricks in order to take possession of our money. Lose their blood and you can store, restaurant, internet.

    One day, my friend got into trouble. It paid off in the store salary card. Due to the fact that she is in a hurry, check the check did not, and the habit stuck it together with the change in the purse. And only a couple of hours became suspicious. And it was only after she received a mobile sms notification from the bank of renting vehicles. Amount that was listed in the SMS, was twice as large as that which was paid. As it turned out, the cashier held twice on the card reader. It is hard to say it was accidental or deliberate act. As a result of a fierce indignation and long to ascertain the details with the administration of the supermarket, the money still returned inattentive client to

The same thing can happen in a restaurant at payment card. The waiter may be quietly re-payment or even to retire and make a copy of a credit card using a handheld skimmer.
Many cases of loss of funds occurs in the payment of services through the terminal installation. Amounts paid for the loan or rent, get lost. The fact that the notice of payment, which gives the terminal is not a check, therefore it is not enough to apply to the court for the owner of the terminal.

    An acquaintance of mine for over a month waiting for money, which through the terminal transfer to your account in WebMoney. All claims owners terminals responded that the client simply incorrectly entered account to which money to. But after a long "siege" money still found.

In Internet hunters to other people's money black berries. You just pay for the purchase, and unscrupulous shop owners, having acquired the data of your card, make it easy to copy.