Credit Card Protection
If we are talking about a crime and civil law, carding is an illegal activity that utilize a stolen credit card and use it for any transaction. Why they called as a “Carding”? The object of this case is a credit card which was stolen from someone and use it without any permission from the card holder of the creditcard.
How do they (carder) get the creditcard information and where they get from?
Usually they got the creditcard information from the following methods :
- Online transaction, they hack a database from online shop website and grab the database of consumer’s creditcard.
- Offline transaction, they get the receipt of the creditcard from the supermarket or ATM.
- Email Sniffing, by sending a fake email as an official creditcard company i.e Paypal, Mastercard, Visa or any Bank’s name and ask the creditcard holder to give their creditcard information for security purpose.
How do they works?
When they get the stolen creditcard information, there are two methods to use the creditcard.
- Direct usage. Which is mean, they use all information on the creditcard such as creditcard holder’s name, card’s number, billing address, zipcode, expired date, CVV (3 digits number behind the card), billing phone number and etc. to do a transaction.
- Generate the number. If they have tried to use the above methods, and the transaction result is declined, then they trying to generate the number using software which is called as Creditcard Number Generator. By using this software, they can generate the number up to a thousand creditcard numbers. After get the number they use a fake billing address, phone number, expire date and all of the required information while submit the transaction.
The 2nd methods will be more easily to do if they want do a transaction using any whatever shipping address and name.
How to prevent it?
I believe you do not want to be a victim, so that you have to prevent it as the following tips :
- Do not ever send all information of your creditcard by an email, even the email asking you to send the information for the security purpose, since the creditcard company never asking you regarding that information.
- Before you decide to use a creditcard on online store please make sure that the online store has a credibility security system i.e Amazon, Yahoo Store, Google Store etc. While typing the creditcard number, you can use On-Screen Keyboard (on Windows XP) to prevent the keylogger.
- If you decide to use your creditcard on offline transaction in the supermarket, make sure you keep the receipt, do not ever throw away the receipt on the trash.
- Destroy your monthly billing statement of creditcard if you think it was useless anymore. Do not ever to dispose it to the trash can.
