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Cloned credit card: what to do

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Cloned credit card: what to do: Recently, a friend of yours did some online shopping and used his credit card to buy the products that interested him. Unfortunately, however, his credit card was cloned and the criminals who managed to do this wasted no time in stealing money from his checking account. Now you fear that such a thing may happen to you too. You would also like to help your friend and limit the already substantial damage that this has suffered, but unfortunately you do not know well what to do in case of a cloned credit card. Well, if that’s the situation you’re actually in right now, let me help you out.

In the next paragraphs, if you agree, I can explain how to behave in case of a cloned credit card and possibly how to get a refund of the sums unduly stolen from your current account. Also, if you want, I can give you some “tips” on how to avoid getting your credit card cloned: in this way you can avoid this risk for your card and help your friend not to repeat the mistakes he (surely) made before his card details were stolen.

So tell me, are you ready to start? Well, then let’s not waste any more precious time and let’s go straight to the heart of this tutorial. Make yourself comfortable, take all the time you need to focus on reading the next paragraphs and, above all, implement the advice I will give you. I’m sure they will be useful to both you and your poor friend. Happy reading and good luck for everything!

Block your credit card

Block your credit card that has been cloned is the first operation you need to do to prevent you from being stolen other money in addition to those that, unfortunately, have already been withdrawn. How do you block your cloned credit card? You must contact the credit institution that issued the card, which should have made available to users an emergency toll-free number available 24 hours a day, 7 days a week.

To search for the toll-free number to contact, just do a quick search on the Internet. Then type in the terms toll free number to block credit card [nome istituto emittente della carta] on any search engine (eg Google), click on the result that you believe is most pertinent and call the toll-free number provided by your bank as soon as possible.

If you find it difficult to find the toll-free number to call to block your credit card, contact his adhesion circuit by calling one of the following toll-free numbers.

  • VISA – call the toll-free number 800 819 014 (from Italy) or to one of the other numbers available from abroad (click here to view the complete list).
  • MasterCard – call the toll-free number 800 870 866 (from Italy) or one of the other numbers available abroad (click here to download the complete list).
  • American Express – call the number 06 72 900 347 (from Italy) or the numbers +800 263 92 279 (From abroad) 011 800 263 92 279 (from the USA, Canada and Australia) or 018 001 231 690 (from Mexico).
  • Nexi (CartaSi) – call the number 800 15 16 16 (from Italy) or the number +39 02.3498.0020 (From abroad).
  • Diners Club – call the number 800 39 39 39 (from Italy) or the number +39 02 3216 2656 (From abroad).

After finally blocking your credit card, file a complaint of the incident by going personally to the nearest train station carabinieri or of the police: in this way you will not only be protected by the police, but you will also be able to obtain a copy of the report that will be useful to you in order to eventually receive a refund from your bank, as we will see shortly.

Request and get a refund

If whoever cloned your credit card also stole money from you, you’re probably wondering if it’s possible get a refund from your bank and, if so, how. Well, luckily the answer to your question is yes.

If you have not been unwary in the card case and if you have blocked it promptly as soon as you have noticed suspicious movements, it is very likely that the institution that issued it is willing to partially or even totally refund you.

To obtain a refund, therefore, you must first have already blocked the card and filed a complaint with the carabinieri or the police (as I already indicated in the previous chapter). After that you must contact the customer service of your credit institution by telephone or, even better, go to the nearest branch and follow the instructions that are provided to you to get a refund of the sums that have been stolen from you (generally you need to fill in a special model and attach a copy of the report you made to the police).

How not to get your credit card cloned

Apple Pay

Avoid getting your credit card cloned it is not an impossible undertaking to complete. Just follow a few simple steps whether they are done Online shopping than offline, i.e. in physical stores. Below you can find a sort of “vademecum” containing some practical tips which, without any shadow of a doubt, will be of great help in avoiding the phenomenon of credit card cloning.

Tips for online shopping

Computer

If you are going to do Online shopping, you will certainly find these tips from the tutorial in which I explain useful how to shop safely online.

  • Check the reliability of e-commerce – Look for information and reviews regarding the site from which you want to make purchases and make sure that the site uses the protocol HTTPS (HyperText Transfer Protocol over Secure Socket Layer) also recognizable by the presence of a padlock locked located in the address bar of the browser in use.
  • Check the seller’s reliability – make good use of the feedback integrated of Amazon and eBay not stopping at mere numerical votes, but also reading the reviews published by users.
  • Shop from secure devices – if you think your PC or smartphone is unsafe, read the guides in which I explain how to tell if a PC is spied on is how to locate and eliminate spy software from your mobile phone in order to dispel your doubts. If you unfortunately find that your suspicions are well founded, do not make purchases from devices controlled by cyber criminals.
  • Don’t connect to public Wi-Fi networks – are notoriously vulnerable and some attackers could easily use them for “Sniffing” your data.
  • Watch out for suspicious emails – the phenomenon of phishing it is increasingly common, yet it is very easy to defend yourself from it: just ignore the suspicious e-mails in which you are asked to reset the password to access home banking services (or social networks). Remember that lenders, as well as social networks, never send such messages. Understand?

Tips for shopping in physical stores

Since the phenomenon of credit card cloning also affects credit cards offline purchases (indeed, especially offline purchases!), you would do well to pay close attention to the following suggestions as well.

  • Always check your credit card statement – pay particular attention to small expenses (this is often where the scam hides!) And, in the case of a suspicious transaction, contact the card issuer immediately. He also checks that the bank statement arrives regularly every month: the criminal could in fact steal it from the mailbox and then use the data contained inside it.
  • Go to the cashier personally – do not delegate others to pay for you with your card. So avoid handing over your credit card to people you don’t know or trust very little.
  • Do not distract – this is important in order not to encourage some “smart guy” to perform operations that he should not carry out, such as passing the card twice.
  • Do not keep your PIN with your credit card – if you do not respect this simple rule you will lay out a “red carpet” to the criminal who has the intention of taking money from your account.
  • Be careful when you pick up at the counter – be careful that there are no suspicious-looking people in your immediate vicinity. Furthermore, make sure that no false devices (such as the famous ones) have been placed on the door itself skimmer) by checking the card insertion slot. Since the thugs may have installed some micro-cameras near the door with the aim of capturing the secret code of your card, cover the keyboard from which you enter the PIN with your other hand.
  • Tear up the receipt before trashing it – contains the credit card number and its expiry date.
  • Use Smart payment systems – today there are Smart payment systems, which take advantage of NFC technology to make payments in physical stores (via POS that support the contactless system) in an easy and, above all, safe way by withdrawing money from the associated cards. If you own an iPhone or an Apple Watch, for example, you can use the system Apple Pay and make payments safely using the recognition through your fingerprint (Touch ID) or face recognition (Face ID). For more details on how Apple Pay works, read the tutorial I published on the subject.

Finally, let me give you some advice as a friend: instead of using credit cards connected directly to the bank account, use some cards prepaid, Such as HYPE, American Express or PayPal, which are not connected to a current account and therefore, even in case of cloning, do not allow you to spend more than the amount already loaded on them.