Beware scammers: how not to get caught on skimming, pharming and vishing
Artem Kovalenko
22.10.2015

Beware scammers: how not to get caught on skimming, pharming and vishing

In a century when e-money has become very popular, it is gaining momentum and fraud. Regardless of the time and place of receipt of cash, the main reasons that people fall for scammers are human greed, inattention and stupidity. In order to protect yourself from a variety of problems, listen to the words of other not very attentive users: “Beware, fraudsters”.

Credit Cards and Falsification

One of the favorite objects of fraudsters is a credit card. More than 80 percent of fraud accounts for credit card transactions. Beware scammers! Electronic services are not only an invention of civilization, but also a way of deception.

Credit Cards and Falsification

The most common methods of fraud are:

  1. Skimming (installation in ATMs of bugs);
  2. Phishing (theft of funds through the Internet);
  3. Vishing (receiving personal data from the card using SMS notifications).
  4. Pharming (installation of fake ATMs).

How to avoid fraud if you want to get a loan?

One of the common methods of protection against fraudsters - SMS confirmation of bank payments. At the moment, almost any bank offers this service. If you have not performed any operations, and you receive an SMS notification from the bank, then you should immediately understand: “Beware, scammers!” Do not erase this message, go with him to the bank and the police. If applications for fraudsters are filed, they will be found.

How to avoid cheating

If you have lost the card or it is gone - immediately call a hot number and block it. Next you need to go to the bank, write a statement about checking the account. If you receive an email from the bank confirming the data, you need to compare the data in the letter with the information in your agreement. If they diverge - we advise you to contact the police.

Brokers and false information

We decided to take a loan? Then you need to familiarize yourself with the next category of scammers - brokers. They occupy 14% of all credit frauds.Real brokers really help to choose the most profitable offer and save a good amount. What are the signs of "white" brokers?

  • Having your own office.
  • Prepayment is not taken.
  • In the office in the public domain copies of licenses for permission activities.
  • Registration documents.

Gray Cardinals - Brokers

There is a category of "gray" brokers. They do their job, but at the same time they take an advance, warning that he is not returning, as he goes to pay "his" people in the bank. If the client agrees, the person pays an advance, brokers submit an application to any bank.

Gray Cardinals - Brokers

Beware scammers! If the application is rejected, they say that they warned about it. If it is approved, the deceived client is satisfied, not knowing that he could have arranged the loan on these conditions on his own!

Black brokers

Having decided to take a loan, you need to know that you can stumble upon "black" brokers. The main goal of their work is to confuse clients with their head in order for them to sign an agreement without having studied it in detail. And in the contract there will be either a huge commission, or a double loan, or a huge amount of debt. Black brokers are real scammers. They specialize in forging documents.

Beware scammers! Usually they have partners in banks and the resulting profit is divided among themselves. How to protect yourself from crooks? It's simple enough! Refer only to “white” brokers. They have a good history of activity with customers, positive feedback.

Unusual fraud methods

Before you take money on credit, you need to know that there are very unusual ways of cheating. Below we present the most famous of them.

Unusual fraud methods

In the first case, be careful, the scammers play on human feelings. The essence of deception is as follows: in a shopping center where loans are issued, a pretty girl looks out for a potential victim. Having chosen a suitable “obalduya”, she approaches him and tells a tearful story that she wants to buy a gift for her mother or sister, and her cash is only enough for half the purchase. She is not issued a loan because she came from a neighboring country.

Can't he get her credit for herself, and she will pay it in good faith from her own funds. In confirmation, she shows a “fake” passport and certificate of income, promises to pay him a reward for it, and also hints that their meeting can continue in a more secluded and romantic atmosphere.

If the client agrees, the girl picks up the loan agreement herself under the pretext of making payments. And without the original contract it is impossible to dispute the loan.

Pseudo-collectors and ordinary citizens

In the second case, the pseudo collectors come into play. Receiving information about confused debtors who have the opportunity to repay a loan, but by their own stupidity make mistakes, they begin to act impudently: threaten, humiliate, insult, select values ​​and money. Lost the one who bought.

Pseudo-collectors and ordinary citizens

Caution: fraudsters: how to protect yourself?

The main rule of protection against fraudsters is to treat everything carefully and deal with financial operations independently. Check your account, money without departing from the cash register, make settlements with an unauthorized person in the presence of a bank employee.

At the slightest suspicion, contact the bank management or the police. And do not forget to inform friends and acquaintances: Beware, fraudsters can get to you. It is worth taking all precautions.


Take it to yourself, tell your friends!
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