The security of financial transactions is an extremely important issue in a scenario marked by an increase in card-related scams.
In Brazil, this concern is reflected in the significant investment of financial institutions in protection and prevention strategies against possible fraud.
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The increasing sophistication of the tactics used by scammers has led banks to allocate a substantial portion of its resources to strengthen security measures, ensuring the integrity of operations and peace of mind for customers.
According to Adriano Volpini, cybersecurity director at Febraban, banking institutions invested approximately R$3.5 billion in security measures, which represents a 10% allocation of total technology budgets with this purpose.
In 2019, according to the National Confederation of Store Managers (CNDL) and the Credit Protection Service (SPC), a total of 3.65 million people had their cards cloned.
You need to be alert against any chance of a scam, but you don't need to worry: here, you found the necessary guidelines!
To avoid unwanted situations, it is essential to adopt some security practices in relation to your cards.
Do not share personal data
Avoid sharing your personal and financial data on social networks or on websites that have suspicious links. Be careful when registering your card on untrustworthy applications.
During the purchase process, stay alert to avoid distractions when entering your details into payment machines. Furthermore, avoid leaving your card in the possession of third parties, especially strangers.
Check your card statement
Another effective strategy to protect yourself against cloning is to closely monitor future entries on your invoice.
Carefully analyze each purchase to verify that it corresponds to establishments, stores or websites where you actually shop. If you identify any suspicion or non-suspicion, it is reasonable to act promptly.
If you come across a purchase that seems strange to you, contact your bank's customer service channels immediately.
Reporting any suspicion is essential so that security measures can be taken, such as blocking the card, preventing further damage and avoiding financial losses.
Turn on notifications
Activating purchase notifications from your card is a smart measure to reinforce your security. This function allows you to receive messages on your cell phone whenever a transaction is made with your card.
Many cases of data leaks have been identified through this feature, prompting people to take immediate action.
Making an adjustment to your card's credit limit is an effective preventative strategy. Many banking apps offer this option simply and quickly.
If you have a higher credit limit than you usually use, it's a good idea to consider reducing that limit.
When it comes to online shopping, it is essential to adopt security measures to protect your financial data.
Avoid registering your physical card on websites and, most importantly, do not save billing information in browsers.
Malicious links and infected pages can easily collect this information, exposing your personal and business data to risk.
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