01 Qinisekisa ulwazi lwakho kwiKhadi lakho le-EMV
Indlela iSmam isebenza ngayo
Abakwa-Scammers, abanjwe ngabaniki bekhadi lesikweletu, abasebenzisi be-imeyli isilumkiso sokuba umnikazi wekhadi kufuneka ahlaziye ulwazi lwakhe lomntu ngaphambi kokuba athole ikhadi lakhe elitsha. Ukuphendula kwi-imeyile ngolwazi lomntu siqu, ukhenkcela umnxibelelwano nokufaka ulwazi lomntu siqu kungenza uhlaziye oko akufunayo ukwenza ubusela besazisi .
Indlela Yokugwema Ukuxhatshazwa
- Njalo khumbula ukuba umniki wekhadi lakho lesikweletu akayi kukucela ukuba ubuyekeze ulwazi nge-imeyile.
- Abathumeli bekhadi lokuthenga ngekhredithi bathumela amakhadi amatyala ekhredithi ngokutsha ngokuzenzekelayo ngaphandle kwesenzo esivela kumakhadi.
- Ukuba uyazibuza ukuba uza kufumana nini ikhadi lakho elitsha le-EMV, qhagamshelana nenkonzo yabathengi bekhadi lakho lomsebenzisi usebenzisa inombolo emva kwekhadi lakho lesikweletu.
- Musa ukucofa kwiinqununu kwiimeyile, nangona zibukeka ngathi zivela kwi-card issuer yakho. Ukutyelela umnikezeli wakho wekhadi lokuthenga ngetyala kwi-intanethi kuphela ngokuya ngqo kwiwebhusayithi yomkhuphi wekhadi.
02 Ukunciphisa iRhafu yoNyaka
Amakhredithi okunciphisa izinga lokuncitshiswa kwamakhadi ekhredithi abasebenzisa abasebenzisi bamakhadi abathintekayo abafuna ukusika amanani abo kwikhadi lekhredithi kwaye bahlawule ngokukhawuleza.
Indlela iSmam isebenza ngayo
Ufumana ifowuni ebhalwe ngaphambili evela kumntu othi ufanelekele inkqubo eya kukunceda unciphise umlinganiselo wakho wenzala kwaye uhlawule ngokukhawuleza kwekhadi lakho lesikweletu. Konke okufuneka ukwenze ukuhlawula intlawulo, ukubhalisa kwiprogram, kwaye inkampani iya kusebenza ukunciphisa izinga lakho lokukhangela ikhadi lesikweletu.
Ifowuni inokuvakala ngathi ivela kumniki-khadi wakho wekredithi kwaye inkampani inokuba neenkcukacha zeakhawunti yekhadi lakho lesikweletu.
Umgxeki uhlawulisa ikhadi lakho lekredithi kwiinkonzo, kodwa akunakunceda ukuhlawula umlinganiselo wakho wenzala njengoko uthembisa. Unokuhlawuliswa nokuba ngaba uyanqabela iinkonzo.
Indlela Yokugwema Ukuxhatshazwa
- Yongeza inombolo yakho kwiSizwe Musa ukubiza iRejista ukuba unciphise amathuba okufumana enye yale fowuni. Unokongeza inombolo yakho ngokuvakashela i-DoNotCall.gov okanye ubiza u-1-888-382-1222.
- Ukuba ufumana ifowuni ngokuzenzekelayo esuka kwinkampani ecela ukuba unciphise umlinganiselo wakho wenzala, xhoma ifowuni ngaphandle kokuthetha nabani na isizathu. Ukuthetha nomntu kunokukhokelela kwiifowuni ezininzi.
- Musa ukukhupha okanye uqinisekise ulwazi lwakho lomntu okanye lwezemali kunoma iyiphi nayiphi na ifowuni yakho ongazange uyiqalise. Abadlali be-Scammers baye bafumana ulwazi lwekhadi lesikweletu kunye neemfuno zokuqinisekisa ukuba lichanekileyo okanye bafumana enye ingcaciso engaphezulu kuwe, njengePIN okanye ikhowudi yokukhusela, ukuze banokwenza ubuqhetseba ngeakhawunti yakho.
- Ukuba unelungelo lokufumana inzala engaphantsi, ungayifumana inkululeko ngaphandle kokucela umniki-khadi wakho wekhadi ngesilinganiso esincinane.
03 Ukukhwabanisa kwiAkhawunti yakho
Ukuba umniki wekhadi lakho lekhredithi akuxwayisa ngokukhwabanisa kwi-akhawunti yakho unokukukhusela kwiindleko zobuqhetseba ezizayo. Okumangalisayo kukuba, abagxeki bangasebenzisa olu hlobo lwefowuni ukuba benze ubuqhetseba bokwenene.
Indlela iSmam isebenza ngayo
Ufumana ifowuni evela kumntu othi bavela kwisebe lakho lokukhwabanisa ikhadi lamakhredithi. Bathi kukho umsebenzi osolisayo kwi-akhawunti yakho kwaye ufuna enye inkcazelo kuwe ukuba uqinisekise ukuba i-akhawunti yakho iyancitshiswa.
Abakwa-Scammers basenokuba nolwazi-igama lakho, idilesi, okanye inombolo ye-akhawunti - kwaye basebenzisa le nto ukuze bakholise ukuba bangumniki-khadi wakho wekhadi. Bafuna ukufumana ulwazi olongezelelweyo abangasebenzisa ukukhwabanisa - ikhowudi yokukhusela emva kwekhadi lakho lesikweletu, umzekelo.
Indlela Yokugwema Ukuxhatshazwa
- Umnikeli wakho wekhadi lokuthenga ngetyala unokukubiza ngokuqinisekileyo ukuba ukhwabaniso ukhunjulwa kwi-akhawunti yakho. Nangona kunjalo, kunokuba unikezele ulwazi lwakho lomntu siqu, kufuneka uxhomeke uze ubize inombolo kumqolo wekhadi lakho lesikweletu ukuze uqiniseke ukuba uthetha ngokuqinisekileyo nomniki-khadi wakho wekhadi.
- Musa ukunikezela ngolwazi lwekhadi lakho lesikweletu nangaliphi na ifowuni ongazange uyiqalise.
- Qhubeka uqaphele umsebenzi wakho we-akhawunti kwi-Intanethi okanye nge-app ye-smartphone ukuze uqaphele umsebenzi wakho we-akhawunti. Bika iindleko ezingagunyazisiweyo kumniki- khadi wakho wekhadi kwangoko. Unokukhutshwa kwikhadi lekhredithi entsha xa i-akhawunti yakho ihlaselwe.
04 I-Fake Hotel Front Desk Izingcingo
Ihotele mhlawumbi enye yeendawo zokugqibela onokulindela ukuba ziphangwe, kodwa kufuneka uqaphele nangona uhlala eholide.
Indlela iSmam isebenza ngayo
Uphumla kwiholide okanye uhlala kwindawo yohambo kwaye phakathi nobusuku, ufumana ifowuni kwifowuni yakho yehotele kumntu othi uvela kwideski yangaphambili. Umnxebi uthi kukho umbandela kwiinkqubo zekhomputha zeehotele kwaye zifuna ukuba unike ulwazi lwakho lwekhadi lesikweletu kwakhona. Ukuba unika iinkcukacha zekhadi lakho lekhredithi, u-scammer angasebenzisa ulwazi ukuba enze iifayili zobuqhetseba kwi-akhawunti yakho.
Indlela Yokugwema Ukuxhatshazwa
- Musa ukunika ulwazi lwekhadi lakho lesikweletu phezu kwefowuni, ingqalelo ukuba awuzange uqalise umnxeba. Akukho ndlela yokuqinisekisa ubungqina befowuni.
- Hamba uye edeskini uze ucele umntu ukuba ngaba sisicelo esifanelekileyo sekhadi lakho lesikweletu. Ukuba awukwazi ukuhamba ngokukhawuleza, unike idesksi yangaphambili ifowuni ukuze ubone ukuba kukho imvelaphi yenkqubo.
05 I-Wi-Fi yamahhala
Xa uzama ukugcina idatha kwifowuni okanye ukuphepha ukuhlawula i-Wi-Fi xa uluntu, ungabheka kwaye udibanise kwi-Wi-Fi yokuqala ye-hotspot oyifumanayo. Kodwa, oku akunakho ukukhetha okukhuselekileyo.
Indlela iSmam isebenza ngayo
Abakwa-Scammers bamisa i-Wi-Fi hotspot yamahhala engadingi iphasiwedi. Xa usuxhumekile, u-scammer unokufikelela kuyo nayiphi na inkcazelo oyithumelayo phezu kwenethiwekhi. Ukuba ungena kwi-bhanki yakho ye-intanethi okanye khangela i-balance card yakho yekhadi , u-scammer unokufumana igama lomsebenzisi kunye nephasiwedi. Ukuba ubeka umyalelo weselula, u-scammer unokufumana yonke ikhadi lakho lekredit kunye nolwazi lomntu siqu. Ngamanye amaxesha banokufikelela kwiinkcukacha zembali yakho yomkhangeli okanye ukuchithwa kolwazi oluthunyelwe kwiiwebhusayithi ezikhuselekileyo.
Indlela Yokugwema Ukuxhatshazwa
- Qaphela ukudibanisa kwe-Wi-Fi yamahhala, ngakumbi kwiindawo eziqhele ukuhlawula i-Wi-Fi. Nangona indawo oya kujongela yona inikezela nge-Wi-Fi yamahhala, qinisa igama lenethiwekhi kunye nomqeshwa ngaphambi kokuxhuma.
- Yilumkele ulwazi oluthumelayo xa ukhona kwi-Wi-Fi yamahhala. Ngaphandle kokuba uxhumeke kwinethwekhi elungileyo, abahlaseli banokuxhuma kwinethiwekhi efanayo kunye nokufumana ulwazi othumelayo.
06 iKhadi lokuKhutshwa kweKharityhulam
Sithatha ngokugqithiseleyo ukuba amakhadi ethu eemboleko akhuselekile xa sitshintshela amakhadi ethu ekwereta okanye sibanike kwi-cashashi ukuxhasa imali. Nangona kunjalo, kukho umngcipheko ukuba ulwazi lwekhadi lesikweletu libiwe xa litshona ukuhlawula impahla okanye iinkonzo.
Indlela iSmam isebenza ngayo
Ngekhadi lokukhwabanisa ngekhredithi , u-scammer uthabatha ikhadi lakho lekhredithi ngolunye uhlobo olusemthethweni. Abakwa-Scammers bangafaka idivaysi yokukhwela kwi-terminal ye-credit card. Izitulo zeGesi kunye nee-ATM ziye zithandwa ixesha elide lootitshala abakhangela ukubeka izixhobo zokucoca. Ngoku kutshanje, abagxeki baqalise ukubeka abadlali bekhredithi ngaphezu kwabafundi bekhadi lesikweletu kwiindawo zokujonga iindawo zokuthengisa.
Ngamanye amaxesha abashicileli kunye nabaqashi baye baqashwa ukuba babe yingxenye yendandatho yokukhwela. Bawuhambisa ngekhadi lakho lesikwelethi ngefowuni yokukhwela ngesandla xa ungakhangeli.
Xa ulwazi lakho lekhadi lesikweletu liye "lijonge," abagxeki bangayisebenzisa ukudala amakhadi-ngxowa-mbumbulu kwaye benze iimfestile zobuqhetseba kwi-akhawunti yakho.
Indlela Yokugwema Ukuxhatshazwa
- Hlola abafundi bekhadi lokuthenga ngetyala ngaphambi kokuba uwasebenzise, ngakumbi kwizikhululo zegesi, ii-ATM kunye neendlela zokuzihlola. Gwema ukusebenzisa nayiphi na umfundi wekhadi lomniki-mboleko okhangeleka ngathi uphathwe.
- Ukumboza isandla sakho xa ungena iPIN yakho. I-Scammers ihlala ibeka iikhamera ezikufutshane kunye neefowuni zokucoca ukufaka iPIN yakho.
- Jonga iakhawunti zakho zekhadi kunye nekhadi lokukhawuleza. Ukuba ubona naziphi na iindleko ongazange uzenze, qha ga mshelana nomniki-khadi wakho wekhadi.