What to do when your credit card is hacked?

Even though you've taken measures to protect your credit card, such as using a strong password and monitoring card activity, what do you do if your credit card is hacked?

If you suspect your credit card information is being used and there is unusual activity, you need to take the following actions promptly to avoid losing money unnecessarily.

Contact the bank to block the card.

If you are certain your credit card information has been stolen, you need to contact your bank immediately to report the situation and block the card as soon as possible. The bank will then ask you for details about the cardholder's information, when the unusual transactions were detected, the name of the company that conducted the transactions, etc., to verify the information before blocking the card.

If you receive a call from the bank informing you of a debt amount, hang up and contact the bank directly to verify its accuracy, avoiding scams by individuals impersonating bank employees. The contact number should be displayed on the bank's official website.

If your credit card is hacked, you need to notify your bank immediately. (Illustrative image).

Cancel any unusual transactions immediately.

All transactions will have a confirmation code or information from the purchasing company. If you see any suspicious transactions, please email or call the company to report them, as they were not made by you. In your response, clearly state that your credit card has been hacked and request that the order be canceled. If in an email, include a photo proving that your credit card information has been stolen.

Update your bank card blocking information.

Once you've contacted the bank to block your card, you should also monitor the blocking process to see how far it has progressed. You can also ask the bank who has used your account and if there have been any unusual transactions.

Things to note when using bank cards

Speaking to VTC News , a cybersecurity expert stated that the loss of funds from an account, even though the account holder did not make any transactions, is a sign of account hacking by malicious actors.

This expert pointed out some of the main methods used by fraudsters to hack credit card accounts, including installing malware on victims' devices to obtain card information, tricking victims into clicking on suspicious links in emails, chat, and e-commerce websites, etc. Additionally, fraudsters buy and sell bank account information from cybercrime organizations.

Criminals can also attack and steal bank account information using skimming techniques – stealing credit card information using other devices. Examples include using audio recorders to record ATM conversations and analyze PIN entries, or installing cameras at ATMs to capture information related to the victim's keystrokes to obtain their PIN.

"Recently, criminals have been forging national identity cards or bank account holders' identification documents, hiring people to go to bank branches to request changes to the phone numbers associated with the victims' bank accounts. If successful, the fraudsters will gain access to the victims' bank card accounts," the expert said.

Another common method, as pointed out by this expert, is for criminals to hijack a phone's SIM card, and then use that to take over other accounts such as social media, e-wallets, and bank card accounts.

Therefore, users need to be cautious in protecting their bank card information when engaging in transactions or exchanges online.

Therefore, it is necessary to set up two-factor authentication for bank accounts and simultaneously protect OTP codes, using biometric information to enhance the safety and security of bank account information.

Customers should also avoid being scammed into taking control of their phone SIM cards through suspicious calls offering assistance in upgrading from 3G to 4G.

Additionally, avoid clicking on suspicious links online and refrain from participating in unsafe transactions. Do not provide your bank account information to anyone if you feel unsafe on any platform.

" Security needs to be ensured at card payment locations such as ATMs or POS terminals ," this expert suggested.

If money has been lost, according to cybersecurity experts, customers should immediately contact their bank to request that their bank card be blocked, and also update the bank with information on any new transactions that have occurred after the card is blocked. Afterward, they should proactively cancel any unusual transactions that the account holder did not initiate.

"If money is lost from your account, you can report it to the nearest police station for assistance ," the expert said.

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