I went to Southeast Asia and got a massage... What happened to the 'card payment bomb'?

#. Mr. A, who went on a trip to Italy, was asked by an employee to hand over his card after eating at a restaurant, saying that the card terminal was far away. Mr. A handed over the card without question, but the employee leaked card information such as the card number, expiration date, and CVC before payment, and used Mr. A's card in an overseas online shopping mall.

#. Mr. B kept her bag and purse in the dressing room to get her massage during her trip to Southeast Asia. While Mr. B was getting a massage, the culprit changed the IC chip of Mr. B's card stored in the locker room and paid a large amount at a jewelry shop. The payment was also considered a normal transaction by the credit card company and was not captured by the FDS. Mr. B thought that the changed card IC chip was simply damaged and paid with another card without question.

While domestic and international travel demand is increasing, fraudulent use due to card theft, loss, and duplication is also expected to increase. The Financial Supervisory Service issued a consumer warning 'caution', saying that fraudulent methods and scales are diversifying, especially in the case of fraudulent transactions occurring overseas.

According to the Financial Supervisory Service on the 16th, the number of fraudulent card use cases during last year was 21,522, a 19.8% increase from 17,969 the previous year. The amount of fraudulent card use also soared from about 4.9 billion won in 2021 to 6.4 billion won last year. This is due to the increase in fraudulent use due to theft and loss as demand for domestic and foreign travel increased after the social distancing was lifted.

In particular, the amount of fraudulent use abroad occurred was about 1.29 million won per case, more than five times larger than domestic (240,000 won). The Financial 오산출장마사지 Supervisory Service explained that “the amount of accidents is increasing as foreign countries are more difficult to cope with than domestic accidents,” and that “the methods of fraud are also diversifying.”

In response, the Financial Supervisory Service advised that it is better to apply for overseas use safety setting service before departure and set the country of use of the card, the amount used per day, and the period of use. This is because when set up, it is possible to prevent accidents in which large amounts of fraudulent payments occur overseas.

In fact, Mr. C, who traveled to France, had his card copied while using a private ATM. The Financial Supervisory Service explained, “If you agree to the use of overseas immigration information, you can prevent damage from fraudulent card transactions by blocking overseas offline payments when there is no record of departure or after entry is confirmed.”

In addition, as fraudulent use caused by stolen or lost cards accounts for 96.7% of total fraudulent use, the Financial Supervisory Service said that card companies should immediately apply for suspension and reissuance of cards. In addition, the Financial Supervisory Service urged that you must check the card payment process yourself and refrain from using overseas private ATMs.

On the other hand, in the case of illegal use of the card, the click here card company can receive full compensation unless there is intention or gross negligence on the part of the member. Even a small amount of attention, especially by signing the back of the card, can increase your reward rate. For payment convenience, you should be aware that giving your password to others or reporting a loss belatedly can lower your compensation rate.

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