Fraudulent card transactions rising

🙄U r trying to say something serious but from the second sentence onwards I don’t understand in which language you are to trying to convey it🤷🏻‍♂️
Kindly re-edit it

contact to branch manager , stating that problem , if amount deducted without providing otp , money will be reversed

OMG what happened to Digital India Cashless society

Op either you used card on unsafe site which saved and leaked details or card cloning case . while using ATM check slot properly where you insert card .
And avoid pos machines for main card . check here https://www.desidime.com/forums/dost-and-dimes/...

Better to have 2 bank accounts one as a main account and keep all funds there .
2nd account for all online offline transactions .
Avoid mobile for online txn if you can’t search spyware on mobile .
Use incognito mode/antivirus safe mode for online txns .
Set up otp method for all cards , don’t use fixed password option Like VBV for debit/credit cards .
Block international txn on your debit card if you don’t need it .
Once i heard companies provide insurance facility for credit cards , so avail such service if you can find such .
And many other ways which one should search before becoming digital/online geek .

………..

also i am sure most of people here save card details on websites for faster checkout , so it is unsafe , they may claim it is saved in encrypted form , but recently hacking of all twitter account passwords , in past zomato and other companies hack enough to prove how much fund they spend on security .
so don’t save card details even on a trusted website , or use secondary account for such txns .

The thing is card frauds happened in past too but were not reported that much because of lesser usage. Today when many using it unsafely as they rarely aware of risk and also how to keep themselves safe, they are at receiving end. People lock down their homes, their cars or whatever they feel as precious and can be taken care off but with CC/DC, they are too much careless. Not all but many. There is a feature to limit no. of txn and amount but they won’t use it or don’t know about it. There are ewallet cards available which they can use but even at high risk offline places they use their main card directly as they found other methods to keep themselves safe time consuming.

The worst thing people do is give their pins to other. Even a family member should not know about it until you fully trust him or he/she not a high spender. I never used my main cards on any website and I don’t give a damn to offers but again if you want to avail offer better not to store card info and keep a check on daily limit amount. Once you use it, visit netbanking or App and lower down limits and modify it when you need more. We don’t require high value txn everyday.

My advice-

People should make others aware too on how to be safe with these day to day things which are slowly becoming part of life.

1. Use alternate physical card like Pockets, Udio or whoever provides for offline txn rather than original card which can be for ATM cash txn only. Don’t do cash txn for little amounts as that will increase the risk of ATM fraud by copying data as you don’t know which ATM is having slot with mala fide intentions.

2. Use netbanking more than cards for online and yes pockets have option for netbanking too so you don’t need to use your original ones too. Other payment banks can fulfill the same purpose like Airtel Payments Bank or Paytm. If you still want to use keep checking your Txn Amt limit anf after use bring it down.

3. Your CC/DC limit should be modified according to need every week.

4. Virtual cards are another safe methods like provided by HDFC netsafe which I use mostly for electricity bills on Paytm.

5. Your passwords, pins should be hard to guess and must not be written anywhere. Don’t use same passwords or Pins for different cards.

6. Never throw your ATM receipt without fully destroying it as it reveals your balance info. when you go for txn like Mini Stmt etc.

7. For online txn, you should always keep track of where you use your info and as told before never store card info no matter how big claims of safety are made. Entering it won’t hurt your fingers either.

8. eWallet serve the purpose for many online txn but never keep big balance and add whenever you need. Don’t go for many eWallets as you don’t know which one will leak your data.

9. The mobile number registered with main bank account should not be used at unsafe websites just for sake of offers. My bank RMN is actually the number which is never shared even with my owns and it is registered to banks only. Aadhaar has different number than bank.

10. Backup and delete your SMS regularly as apps these days can access it and reveal info. about your bank details.

Lastly, help others to be safe by telling them. Though companies and banks do put up banners and info is written everywhere yet people are mostly ignorant and even if it is in their native language they don’t want to give it a damn look.

How come these things r happening? @desidude2013
R u transacting in sites where in there is no kind of encryption provided?
Provide the list of transactions (online) done in the past few weeks so that you can jot your problem as in where did this fraud happen..

I personally dont use my dc quite nowadays well as far as the upi no is concerned i alteast do 2 upi transactions/day o.O

This is worrying my now..

I can’t understand, how anyone can do unauthorise txn. without OTP? Is it possible?

sharing this video again , please must watch it . people are so careless they only learn lesson after a big loss . it may not be related to op issue , but this kind of fraud are now rising in india .
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also beware of sim card cloning , hyderabad crime branch shared a post on sim card cloning . scammers cant simply clone anything if you are smart , they do play tricks and you will fall in trap ..