{"id":16681,"date":"2022-03-02T11:03:43","date_gmt":"2022-03-02T11:03:43","guid":{"rendered":"https:\/\/transfergo.wpengine.com\/paza-buna-cum-te-feresti-de-o-frauda-cu-carduri-bancare"},"modified":"2025-05-15T05:39:21","modified_gmt":"2025-05-15T05:39:21","slug":"cum-te-feresti-de-frauda-cu-carduri-bancare","status":"publish","type":"post","link":"https:\/\/develop.wpvip.tgalpha.com\/ro\/cum-te-feresti-de-frauda-cu-carduri-bancare","title":{"rendered":"Paza bun\u0103: Cum te fere\u0219ti de o fraud\u0103 cu carduri bancare?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400\">Pentru c\u0103 avem mare grij\u0103 de siguran\u021ba ta \u0219i a banilor t\u0103i, am preg\u0103tit \u00een acest articol c\u00e2teva informa\u021bii foarte utile despre ce este un caz de fraud\u0103 cu carduri bancare. Nu numai asta, dar \u00ee\u021bi d\u0103m \u0219i c\u00e2teva sfaturi de cum po\u021bi s\u0103 te fere\u0219ti de a\u0219a ceva. Cu c\u00e2t e\u0219ti mai bine informat, cu at\u00e2t \u0219tii s\u0103 te protejezi mai bine. Vorba aceea, paza bun\u0103 trece primejdia rea! Mai ales c\u0103, ce care fac \u00een\u0219el\u0103torii au devenit din ce \u00een ce mai inventivi \u0219i mai pricepu\u021bi \u00een a pune la care o fraud\u0103 cu carduri bancare.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400\">Aici la <\/span><b>TransferGo<\/b><span style=\"font-weight: 400\"> vrem s\u0103 \u00ee\u021bi facem via\u021ba departe de cas\u0103 c\u00e2t mai u\u0219oar\u0103. Nu doar prin costurile noastre de transfer, care sunt printre cele mai mici pe care le po\u021bi avea atunci c\u00e2nd <a href=\"https:\/\/develop.wpvip.tgalpha.com\/ro\/ce-se-intampla-cand-transferi-bani-online\/\">transferi bani online<\/a> \u0219i prin siguran\u021ba pe care \u021bi-o oferim, dar \u0219i prin toate aceste informa\u021bii pe care le preg\u0103tim pentru tine.<\/span><\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Cuprins<\/h2><nav><ul><li class=\"\"><a href=\"#in-ordinea-prioritatilor-cate-feluri-de-frauda-cu-carduri-bancare-\u0219tii\">\u00cen ordinea priorit\u0103\u0163ilor: c\u00e2te feluri de fraud\u0103 cu carduri bancare \u0219tii?<\/a><\/li><li class=\"\"><a href=\"#skimming-ul-copierea-datelor-de-pe-card\">Skimming-ul: Copierea datelor de pe card\u00a0<\/a><ul><li class=\"\"><a href=\"#ce-faci-ca-sa-te-fere\u0219ti-de-skimming\">Ce faci ca s\u0103 te fere\u0219ti de skimming?<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#phishing-ul-furarea-identita\u021bii-bancare\">Phishing-ul: Furarea \u201eidentit\u0103\u021bii bancare\u201d\u00a0<\/a><ul><li class=\"\"><a href=\"#ce-faci-ca-sa-te-fere\u0219ti-de-phishing\">Ce faci c\u0103 s\u0103 te fere\u0219ti de phishing?\u00a0<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"in-ordinea-prioritatilor-cate-feluri-de-frauda-cu-carduri-bancare-\u0219tii\"><span style=\"font-weight: 400\">\u00cen ordinea priorit\u0103\u0163ilor: c\u00e2te feluri de fraud\u0103 cu carduri bancare \u0219tii?<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400\">Sunt dou\u0103 feluri de fraud\u0103 cu carduri bancare \u0219i e bine s\u0103 \u0219tii exact ce e fiecare. Astfel, avem a\u0219a:&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400\">Skimming: copierea datelor de pe card la bancomat sau POS&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400\">Phishing: furarea de numere de card sau de parole \u0219i alte informa\u021bii bancare (furarea \u201eidentit\u0103\u021bii bancare\u201d)&nbsp;<\/span><\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" height=\"576\" width=\"1024\" src=\"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-content\/uploads\/2022\/03\/cum-te-feresti-de-frauda-cu-carduri-bancare-1.jpg?resize=1024,576\" alt=\"cum-te-feresti-de-frauda-cu-carduri-bancare\" class=\"wp-image-248384\" srcset=\"https:\/\/develop.wpvip.tgalpha.com\/wp-content\/uploads\/2022\/03\/cum-te-feresti-de-frauda-cu-carduri-bancare-1.jpg 1920w, https:\/\/develop.wpvip.tgalpha.com\/wp-content\/uploads\/2022\/03\/cum-te-feresti-de-frauda-cu-carduri-bancare-1.jpg?resize=300,169 300w, https:\/\/develop.wpvip.tgalpha.com\/wp-content\/uploads\/2022\/03\/cum-te-feresti-de-frauda-cu-carduri-bancare-1.jpg?resize=768,432 768w, https:\/\/develop.wpvip.tgalpha.com\/wp-content\/uploads\/2022\/03\/cum-te-feresti-de-frauda-cu-carduri-bancare-1.jpg?resize=1024,576 1024w, https:\/\/develop.wpvip.tgalpha.com\/wp-content\/uploads\/2022\/03\/cum-te-feresti-de-frauda-cu-carduri-bancare-1.jpg?resize=1536,864 1536w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"skimming-ul-copierea-datelor-de-pe-card\"><span style=\"font-weight: 400\">Skimming-ul: Copierea datelor de pe card&nbsp;<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400\">Skimming-ul este atunci c\u00e2nd cineva copiaz\u0103 datele de pe banda magnetic\u0103 a cardului t\u0103u. Banda magnetic\u0103 a unui card bancar este ca un fel de hard disk pe care sunt stocate date importante. Acum, exist\u0103 o serie de dispozitive electronice speciale, cu care fraudatorii reu\u0219esc s\u0103 copieze datele atunci c\u00e2nd tu \u00ee\u021bi folose\u0219ti cardul fie la ATM, fie la POS.&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400\">La ATM: pe cr\u0103p\u0103tura \u00een care introduci cardul a fost instalat un astfel de dispozitiv. Totodat\u0103, se mai poate \u00eent\u00e2mpla \u0219i s\u0103 fi fost instalat\u0103 o tastatur\u0103 fals\u0103. Aceast\u0103 tastatur\u0103 fals\u0103 con\u021bine un mecanism de copiere a datelor. Nu \u00een ultimul r\u00e2nd, l ATM ar putea fi instalat\u0103 o mini-camer\u0103 video care \u00eenregistreaz\u0103 PIN-ul atunci c\u00e2nd \u00eel tasetzi.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400\">La POS (c\u00e2nd pl\u0103te\u0219ti cu cardul): \u00een momentul \u00een care faci o plat\u0103 la un comerciant \u0219i ulterior cardul este trecut \u0219i printr-un alt dispozitiv pentru a copia informa\u021biile de pe banda magnetic\u0103.<\/span><\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" height=\"576\" width=\"1024\" src=\"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-content\/uploads\/2022\/03\/cum-te-feresti-de-frauda-cu-carduri-bancare.jpg?resize=1024,576\" alt=\"cum-te-feresti-de-frauda-cu-carduri-bancare\" class=\"wp-image-248395\" srcset=\"https:\/\/develop.wpvip.tgalpha.com\/wp-content\/uploads\/2022\/03\/cum-te-feresti-de-frauda-cu-carduri-bancare.jpg 1920w, https:\/\/develop.wpvip.tgalpha.com\/wp-content\/uploads\/2022\/03\/cum-te-feresti-de-frauda-cu-carduri-bancare.jpg?resize=300,169 300w, https:\/\/develop.wpvip.tgalpha.com\/wp-content\/uploads\/2022\/03\/cum-te-feresti-de-frauda-cu-carduri-bancare.jpg?resize=768,432 768w, https:\/\/develop.wpvip.tgalpha.com\/wp-content\/uploads\/2022\/03\/cum-te-feresti-de-frauda-cu-carduri-bancare.jpg?resize=1024,576 1024w, https:\/\/develop.wpvip.tgalpha.com\/wp-content\/uploads\/2022\/03\/cum-te-feresti-de-frauda-cu-carduri-bancare.jpg?resize=1536,864 1536w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"ce-faci-ca-sa-te-fere\u0219ti-de-skimming\"><span style=\"font-weight: 400\">Ce faci ca s\u0103 te fere\u0219ti de skimming?<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400\">Sigur c\u0103 po\u021bi s\u0103 ai grij\u0103 \u0219i <\/span><a href=\"https:\/\/support.transfergo.com\/hc\/ro\/articles\/360060217052-Cum-s%C4%83-te-protejezi-%C3%AEmpotriva-fraudei\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\">s\u0103 te fere\u0219ti<\/span><\/a><span style=\"font-weight: 400\"> de skimming. Iat\u0103 ce ai de f\u0103cut pentru asta:&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400\">Te asiguri c\u0103 tastatura \u0219i fanta \u00een care introduci cardul sunt fixe (nu deta\u0219abile). <\/span><span style=\"font-weight: 400\">Dac\u0103 sunt false, tastatura sau partea ATM-ului ce con\u021bine cr\u0103p\u0103tura de introducere a cardului sunt deta\u0219abile. Po\u021bi \u00eencerca s\u0103 le mi\u0219ti \u00eeni sus \u0219i \u00een jos, sau pe orizontal\u0103. Dac\u0103 se mi\u0219c\u0103, \u00eenseamn\u0103 c\u0103 sunt false.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400\">ATM-ul are urme de lovituri, adeziv, diverse mecanisme conectate sau cutii ori stative de flutura\u0219i cu reclame.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400\">\u00cen cazul \u00eencerc\u0103rilor de fraud\u0103 la un magazini, casierul va \u00eencerca s\u0103 umble cu cardul t\u0103u undeva unde tu nu po\u021bi vedea. Nu la\u0219i v\u00e2nz\u0103torul s\u0103 plece cu cardul t\u0103u. Casierul trebuie s\u0103 \u021bin\u0103 POS-urile la vedere. Tu trebuie s\u0103 po\u021bi vedea cardul atunci c\u00e2nd pl\u0103te\u0219ti&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400\">Nu \u00ee\u021bi notezi PIN-ul pe card, \u00een agenda telefonului sau pe o bucat\u0103 de h\u00e2rtie pe care o \u021bii l\u00e2ng\u0103 card.&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400\">Ceri de la v\u00e2nz\u0103tor chitan\u021bele pentru tranzac\u021biile efectuate, chiar dac\u0103 nu au fost aprobate.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400\">Ai grij\u0103 cu persoanele care-\u021bi ofer\u0103 \u201cajutor\u201d la retragerea de numerar de la ATM sau la aparente \u201cerori\u201d ale bancomatului.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400\">De fiecare dat\u0103 c\u00e2nd introduci PIN-ul, acoperi cu cealalt\u0103 m\u00e2n\u0103 tastatur\u0103.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400\">Verifici lunar extrasul de cont, astfel \u00eenc\u00e2t dac\u0103 observi tranzac\u021bii suspecte s\u0103 po\u021bi s\u0103 suni la banca c\u00e2t mai repede.<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>\u0218tim c\u0103 mutarea \u00eentr-o alt\u0103 \u021bar\u0103 \u00eenseamn\u0103 multe eforturi.&nbsp;<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>\u00censeamn\u0103 curajul de a pleca \u0219i de a fi departe de cei dragi.<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>\u0218i tocmai de aceea, te ajut\u0103 s\u0103 \u0219tii c\u0103 banii t\u0103i sunt \u00een siguran\u021b\u0103.<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>Ai nevoie s\u0103 transferi&nbsp;bani&nbsp;simplu, rapid \u0219i f\u0103r\u0103 comisioane bancare exagerate \u00een&nbsp;<a href=\"https:\/\/develop.wpvip.tgalpha.com\/ro\/trimite-bani-in-romania\">Rom\u00e2nia<\/a>&nbsp;\u0219i nu numai.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"phishing-ul-furarea-identita\u021bii-bancare\"><span style=\"font-weight: 400\">Phishing-ul: Furarea \u201eidentit\u0103\u021bii bancare\u201d&nbsp;<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400\">Phishing-ul este atunci c\u00e2nd cineva \u00ee\u021bi fur\u0103 banii sau identitatea bancar\u0103, ca urmare a faptului c\u0103 tu i-ai transmis numere de carduri de debit sau credit, informa\u021bii bancare sau parole&nbsp;<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"ce-faci-ca-sa-te-fere\u0219ti-de-phishing\"><span style=\"font-weight: 400\">Ce faci c\u0103 s\u0103 te fere\u0219ti de phishing?&nbsp;<\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400\">Aten\u021bie! Banca nu \u00ee\u021bi va cere niciodat\u0103 prin email sau online transmiterea\/ actualizarea datelor tale personale.&nbsp;&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400\">Email-urile falsificate sunt impersonale \u015fi ajung de cele mai multe ori \u00een fi\u0219ierul Spam.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400\">Email-urile de phishing con\u021bin de obicei mesaje sub form\u0103:<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400\">&#8220;URGENT! Dac\u0103 nu raspunde\u021bi \u00een 24 de ore, contul d-voastr\u0103 va fi \u00eenchis\/blocat!\u201d<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400\">\u00cen practica b\u0103ncilor nu exist\u0103 o astfel de procedur\u0103.&nbsp;<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><b>La&nbsp;TransferGo, \u00ee\u021bi oferim garan\u021bia c\u0103 banii t\u0103i ajung rapid \u0219i \u00een siguran\u021b\u0103 la cei dragi.<\/b><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><b>\u0218i \u00ee\u021bi mai oferim ceva. Respectul pentru lupta ta pentru c\u0103 \u0219tim c\u00e2t Valorezi pentru&nbsp;<a href=\"https:\/\/develop.wpvip.tgalpha.com\/ro\/trimite-bani-in-romania\">Rom\u00e2nia<\/a>!<\/b><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><b>Descarc\u0103-\u021bi aplica\u021bia&nbsp;TransferGo&nbsp;\u0219i al\u0103tur\u0103-te celor peste 3,5 milioane&nbsp;<strong>de utilizatori&nbsp;<\/strong>din \u00eentreaga lume!<\/b><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pentru c\u0103 avem mare grij\u0103 de siguran\u021ba ta \u0219i a banilor t\u0103i, am preg\u0103tit \u00een acest articol c\u00e2teva informa\u021bii foarte utile despre ce este un caz de fraud\u0103 cu carduri bancare. Nu numai asta, dar \u00ee\u021bi d\u0103m \u0219i c\u00e2teva sfaturi de cum po\u021bi s\u0103 te fere\u0219ti de a\u0219a ceva. Cu c\u00e2t e\u0219ti mai bine informat, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":16682,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1310,1313],"tags":[],"business_case_studies_tags":[],"class_list":["post-16681","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finante-personale","category-sfaturi-finantele-personale"],"jetpack_featured_media_url":"https:\/\/develop.wpvip.tgalpha.com\/wp-content\/uploads\/2022\/11\/shutterstock_223094779.jpg","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/posts\/16681","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/comments?post=16681"}],"version-history":[{"count":1,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/posts\/16681\/revisions"}],"predecessor-version":[{"id":248406,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/posts\/16681\/revisions\/248406"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/media\/16682"}],"wp:attachment":[{"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/media?parent=16681"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/categories?post=16681"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/tags?post=16681"},{"taxonomy":"business_case_studies_tags","embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/business_case_studies_tags?post=16681"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}