More and more often people complain about a message of this type: "The credit card has been stopped. For more information, please call ...". This phenomenon alerted many customers of various banks. After all, the bulk of financial organizations have a system of SMS alerts or “cold” calls. With their help, a person can learn about locking and unlocking bank plastic, as well as get acquainted with the company's new offers. What should I do if a person sees a message: "Your credit card is stopped"? What does that mean?
Lock Information
So, first of all, we’ll figure out what “bank card action is stopped”. As a rule, this phenomenon indicates either a blockage of the plastic or a restriction of its use for one reason or another.
As a rule, such alerts confuse people. They indicate that a citizen cannot, for certain circumstances, use his bank plastic. Therefore, you have to figure out what to do in this situation. Is there any need to be afraid of this?
Banks
Did you receive an SMS with a notification about the suspension of banking plastic? The first thing a subscriber must do is not to panic and calm down. It is possible that the bank made a mistake or the citizen has a debt, in connection with which the plastic was really blocked.
Almost all modern banks in the Russian Federation have SMS notification systems. With their help, customers are informed about new services, expenses incurred and the status of bank cards.
If a person receives a message: "The bank card is stopped," he must first look at the number from which the notification was sent. Only in this way will it be possible to understand whether the SMS is really from the bank or if someone is pretending to be a person. For example, Sberbank customers receive alerts from 900 short number. All other messages with information about card blocking can be considered a draw.
Caution scammers!
In Russia today, a variety of bank card frauds are widespread. Thieves come up with various schemes of deceitful gullible citizens. Therefore, as soon as a person has a bank card, he will have to be vigilant.
"The credit card is suspended. For more information, please call ..." - this is the type of message that people across the country receive. Usually at the end of such SMS is either a bank signature or something like "CBR".
Do you believe these alerts? No no and one more time no. The fact is that this is a new type of fraud. Therefore, many simply ignore messages about blocking bank plastic.
Fraud scheme
How does the proposed system work? Bank card frauds in the Russian Federation are becoming more and more common. The studied problem usually boils down to the fact that a person can get detailed information about the blocking of plastic by calling back at the phone number indicated in the SMS. What's next?
Then, as a rule, the following scheme takes effect:
- A man, frightened by a card lock, calls the proposed number.
- Fraudsters are asked to give information about the owner (F.I.O.), as well as CVV2 and the plastic number.
- The citizen is told that they will sort it out and hang up the phone. In extreme cases, after the message of the listed information, the conversation ends.
After some time, a person discovers that money has disappeared from his bank card.Fraudsters simply use this information and withdraw money from plastic under the guise of its real owner. Therefore, if an SMS arrives to suspend a card, you don’t need to believe it.
Ignoring
What to do if a citizen is concerned about alerts about blocking a bank card? The best solution here is to ignore. All messages in this style simply need to be deleted. You can read them, but in no case do not call back to the number indicated in the text.
This technique helps to avoid unnecessary problems. Especially for those who do not have bank plastic at all. "Bank card action stopped" - a message that is sent out in bulk. It is received even by people who have nothing to do with banks.
Call to the bank
Did you receive a notification that the bank card was stopped? What to do? After checking the number from which the SMS came, it is recommended to call directly to the bank whose plastic is used by the person. Next, inform employees about the card lock and their intentions to find out what is the matter.
Surprisingly, banks usually claim that they are in no way related to such mailings. Employees of financial institutions recommend that you do not call back on the phones suggested by SMS and do not report the information that scammers ask for. CVV2, as a rule, should not be called even when talking with a real bank. This must be taken into account.
Another method is a personal visit to the bank with a passport and a credit card. Employees will help make sure that the plastic is working. You can show them the SMS that caused the panic. In most cases, bank employees will be surprised and warn that the alert is fraud.
Lock
Did you get the message "Bank card has stopped ..."? Quite often, people complain that SMS data bothers them regularly. In this case, you can block the number from which messages are received. For example, do this through a mobile operator.
Usually the reception does not help. After all, messages from the category "Bank card action is stopped. Details by phone ...." are sent from different numbers. All that remains is to ignore the annoying SMS.
Calls and blocking
But that is not all! Fraudsters quickly adapt to the situation. Modern thieves not only send messages about blocking bank cards, but also call the population.
How does this system work? There are several options for the development of events. It all depends on the purpose of the scammer.
You may encounter the following fraudulent schemes:
- A call to the phone comes automatically. A voice robot reports that the bank card is stopped. Further it is offered either to call a certain number (it will be dictated), or to name the data from bank plastic for automatic blocking.
- A real person is calling on a mobile phone. The fraudster appears to be an employee of the bank (most often Sberbank falls under the distribution), he reports that the plastic has been blocked / suspended for security purposes. Further from the subscriber they require data from the card in order to unlock it.
- The call is made by a real scammer. Unlike the previous version, a citizen is asked to call one or another number to unlock the card. In this case, no card data needs to be called.
In all these situations, it is possible:
- debiting a credit card;
- theft of funds from a mobile phone.
Accordingly, you should not believe calls from unfamiliar numbers. And to call the data of banking plastic, too. Otherwise, it will not work in any way to regain the stolen funds.
Bank problems
Despite all of the above warnings, the population still calls the numbers proposed in SMS and reports the requested information. Why it happens?
Experienced users note that this problem is associated not only with the credulity of people, but also with the fact that banks do not have a single text for SMS alerts. One bank can send messages with a bank card number, or without it. In addition, part of the alerts comes from different phones. Somewhere it is defined as a short number (for example, Sberbank has 900), and sometime in the "Sender" section a person will see the message "Not defined". Therefore, it is difficult to understand how realistic the message that the bank card is stopped is real.
Message to operator
The last tip that users give each other is to inform your mobile operator of an attempted fraud. It is advisable to convey this information additionally to the bank where the citizen is served (if any).
No further action is needed. Only ignore calls from unfamiliar numbers and delete messages. You can change the SIM card and re-link bank cards. This technique will save a person for some time from annoying calls and messages.
Summary
Now it’s clear what to do if a message has arrived on the phone: "The credit card has been stopped." In fact, so far there are no definite advice and recommendations on this matter. The only thing that can be said to people is that you do not need to call the proposed numbers and provide bank card information.
If you receive a message about the suspension of the plastic, you need to:
- Call the bank and find out about the reasons for blocking.
- Delete SMS with suspicious text.
- Do not answer calls from unfamiliar numbers.
- If you wish, blacklist suspicious contacts.