Over the past summer season increased the number of cases where the data from the bank cards of the citizens of different countries, vacationing in resorts in Thailand were stolen.Most often, there is not a banal theft of a purse from a plastic alien and more sophisticated system using hardware - skimming.
other words, ATMs (keyboard and card reader) installed special devices that read the magnetic stripe card data and pincode.Fraudsters, thus obtaining the necessary information, produce a counterfeit card using a plastic disc with a magnetic strip, which is applied to the desired information.Then, at any ATM of the map from the account of the owner removed all the existing money - it usually takes place about one month after the theft.
The most common skimming devices at ATMs pose, standing on the street or in the large shopping centers, railway stations, in the subway or bus: a large crowd of people helping fraudsters operate undetected.Criminals usually know the schedule time to visit collectors and to remove their appearance spy devices.As a rule, street ATMs are placed in the dark and in shopping malls - at peak hours.Some Russian banks such as Sberbank, Alfa Bank, VTB, and others, often block the card customers located in Thailand, automatically, for fear of fraud or propose to limit the geography of their actions.However, a problem that is constantly growing "geography" cheaters.
Over the last year in the kingdom were detained not only local, Thai robbers, but also international gangs.In addition, it is becoming increasingly common scheme where money from counterfeit cards removed in Thailand, where the owners of the original maps have never been.This is done as follows: skimming devices installed on ATMs in Russia, Ukraine and Lithuania;They read from the data forwarded abroad, where he made a fake card.In this case, the card holder is easier to prove to the bank that was the unauthorized removal by presenting a passport, which lacks the Thai entry stamp, or other documents to prove that on the day of withdrawal, he was not in Thailand.But the money in the account will still be back at once (an average investigation takes 1 to 4 months).
Using an ATM in any country, you must first check it for any additional devices.Manufacturers "tightly" keyboard and card reader is mounted flush with the main surface.Therefore, if they act on it at least a few millimeters, it is a clear signal that the device is installed illegally.If the keyboard is slightly protruding hook, and it is separated from the main part of the device - according to the ATM can not be used.Be sure to consider the fact that if such a device on the ATM is, is necessarily close watch over him a crook.In case of such "devices" tourist must immediately withdraw from there without contacting with criminal elements.
If you still unauthorized removal of money occurred, you should immediately contact your bank and block the card.Also, you should immediately write an application for the return of the funds taken from the card fraudulently.It helps service "mobile banking" - so you can not only monitor the correct amount taken during shopping, but also to track the suspicious transactions.If the bank for some reason refuses to accept the application and conduct an investigation, you should write a statement to the police on fraud and failure in promoting the issuer.A copy of the application is sent to the head office of the bank.
Articles Source: travel.ru
