Credit card cloning – themagazinetech
Current account scams are the order of the day, not everyone knows it but the banking circuits reimburse the money lost if the strict procedure is followed
Credit card cloning it’s an unpleasant episode that today can really happen to everyone, just a little distraction even during online purchases or during ATM withdrawals.
One of the scams we have talked about most often, in fact, consists in the fact that the criminals are able to insert a reader into the card entrance at the ATM, able to clone it, to use it several times with small withdrawals.
LIn order to be able to contrast these phenomena, banks have tried to adopt ever more stringent solutions, in order to protect the current account holder from any fraud or scams. Not everyone is aware of the fact that in most cases the bank provides for refund the money, however, a specific procedure must be followed to apply for it, but above all to ensure that the application is accepted.
Cloning of the credit card, through a process it will be possible to receive the money back from the banking circuit
When it comes to credit card cloning this can happen in numerous ways. The most used, however, is without a doubt lo skimming, a term that refers to the device used to read badges and copy the data on the magnetic stripe of the card.
Precisely thanks to this tool, every time we use a pos or insert the card into an ATM, we risk losing data. Let’s say that finding out if the ATM has been tampered with is difficult but not impossible. You have to play a bit with the entrance where you insert the card to see if it fits perfectly or if it has been tampered with. In any case, living with the nightmare of card cloning could also become a real obsession so it’s good to relax and rather understand how to be able to redeem the money in case you get robbed.
ATM: if you fall victim to this inconvenience, here’s what to do -themagazinetech
How to get your lost money back if you run into a cloned card accident
In order to be able to obtain a refund, it is first of all necessary to proceed with the report of the cloning of the credit card to the Police or the Carabinieri. It is important to be immediate because some banking circuits make a fuss if the complaint is too far from the card cloning date. Once the document confirming the report has been obtained, it must be forwarded to your bank, in order to obtain a refund of the stolen amount.
Furthermore, within sixty days of the date of issue of the account statement, this must be sent to Interbank Services, attaching the front and back photocopy of the cloned card cut in two, the written complaint and a copy of the complaint made to the police. If you follow all these steps to the letter, in most cases you will be able to get your money back. The only case in which the bank does not make use of the refund service is when we fall victim to phishing scams, because in that case the fact that the error was on our part would come into play for spontaneously clicking on the link.
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2023-08-20 20:30:37
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