WHY PHISHING IS SO DANGEROUS?

Unfortunately, credit cards in Mexico continue to be the victim of countless fraud every day. These acts represent losses of 800 million pesos per year according to the Association of Banks of Mexico (ABM).

We have already mentioned what some of the main crimes that affect cardholders consist of: identity theft, card cloning, Skimmers.

Why phishing is so dangerous?
On this occasion, we will explain what Phishing is and why it endangers your plastic.

What is Phishing?

Phishing is one of the most popular forms of scam in the world of credit and debit cards. Criminals pose as a company or public entity in order to obtain information from users.

Although the usual means of propagation is by email, this crime is also carried out through internet pages, social networks, text messages, and even by telephone.

The peculiarity of Phishing is that, through deception, it is the same cardholders who end up sharing their passwords, greatly facilitating the task of the so-called 'Phishers'.

Among the most common consequences are:

·       Unrecognized charges

·       Theft of money in bank accounts

·       Impersonation

·       Scams

·       Sale of personal data

How is Phishing carried out?

Mary received an email from her bank advising her that, due to 'company policies', the security regulations changed and they were updating their system, asking for this reason to help them by confirming their credit card details and passwords.

Seeing her bank's logo in the email and other factors that did not make her suspicious, she shared the information they requested. Days later, when the statement arrived at his home, he found several unacknowledged charges. Mary was a victim of Phishing.

The criminals successfully carried out the trap by following these steps:

They generated an email address in the bank's name, which contained a link that led Mary to a bogus page, but using scheduling techniques, they managed to make it look almost identical to that of the financial institution.

They waited for Mary to fall into the trap and share her plastic data.

With the information, using the card illegally was the easiest thing to do.

I know what Phishing is, what do I do if I was a victim?

Notify your bank of the event. You may be responsible for expenses incurred prior to reporting, so speed is critical.

Confirm with the telephone advisor that there are no purchases that you have not made. If so, raise a clarification for the bank to open an investigation.

During the call, obtain the folio number of your report and write it down in a safe place for future reference.

Although it is not essential, it is recommended that you file a complaint with the Cyber ​​Police, who will initiate the search for those responsible.

If the balance provided by the bank does not correspond to the price of the unrecognized charge, you can present your case to the Condusef, where you will receive specialized legal attention.

What do I do to avoid being a victim of Phishing?

Now that you know what Phishing is, we suggest you put the following tips into practice:

Do not share the information of your cards or accounts by any means, or respond to emails from banks. Preferably, deal with any matter directly at the branch.

Try to memorize the website of your bank so that you detect any anomaly in case of Phishing.

Constantly change your passwords. Ideally, it should be monthly, if you can't, at least do it every semester.

Use the best antivirus software for protecting your device and data.

Correctly write the address of the page you are going to visit, as there are several fake websites with only one or two letters apart.

If you doubt the veracity of any email or website, do not click on any link that includes the message.

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