What is Card Fraud?

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• Skimming Devices
  Are used to copy and clone your card, either at an ATM or point-of-sale. A false PIN pad is installed so you may enter your PIN without suspicion. Your PIN is then recorded and later used to withdraw money from your account.
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• Distraction and Confusion Tactics
  These happen when criminals work in pairs at an ATM, one distracts you while the other attempts to obtain your information. Only ever accept assistance at an ATM from a bank official. 
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• Never Hand Over Your Card 
  For a staff member to process your payment at a restaurant or shop. They may attempt to wipe your card clean pretending it does not work in the POS terminal. This is a tactic to skim your card and obtain your information, while someone else may look over your shoulder while you are entering your PIN. Later using your cloned card to withdraw money. 
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• Providing Card Information 
  Over the phone or on a website that is not secure can lead to card fraud. Disclosing your card number, expiry date, CVV number and name is enough for criminals to fraudulently use your card. Never provide this information in an email or online chat, and avoid giving your card details over the phone. If you do, make sure the merchant is legitimate. 
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• Check Your Card 
  Always make sure you still have your original card after each withdrawal or POS transaction. 
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• Sign Your Card 
  Always sign the signature panel on the back of the card. Criminals will try and forge your signature. If there is no signature at the back of the card, it makes the forging much easier. 
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• Set up 3D Secure 
  SMS authentication service via BNF Internet Banking 
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• Destroy Physical Documents 
  Like bank statements and other financial information
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• Keep Your Card in Sight 
  At all times. Your card and card information are the access key to your wallet. 
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• Travelling Abroad 
  Contact us and let us know in advance, so we can be aware in case of any suspicious transactions. 
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• Block Your Card 
  If you think an ATM has retained your card, or someone may have seen your PIN, call BNF Bank on (+356) 2260 1000 or (+356) 2260 1500 and block your card immediately. Never accept assistance from anyone at an ATM.