TODAY -

Your credit card can be cloned

Shyamchand Salam *



How safe is your credit card? Plastic cash that lets you buy almost everything by just swiping the card can also turn out to be your worst nightmare. This is not an isolated incident. With the use of the credit and debit cards on the rise, their misappropriation has become a major worry for one and all. Credit card users in India have been robbed of crores of rupees due to card-cloning over the years.

International bank cards frauds have also risen, taking advantages of the loopholes in the system. In many cases, Indians have used details from foreign credits cards to swipe away millions. The offenders often get away as laws are not very stringent in India for such acts of crime. The maximum punishment would be imprisonment for up to three years.

Credit card skimming has become a serious problem all over the world. This cost a loss of huge $1 billion a year. A fraudster anywhere in the world could be using a cloned credit card with your name and account number on it.

Have you stopped using cash for most of your weekend mall purchases and extravagant dinners at restaurants? And flash your credit or debit card every time you have to pay that bill? If yes, then keep an eye on the shopkeeper who is swiping it because he can clone your card. This is done by swiping the card on a device called skimmer which capture the information stored on the magnetic strip of the card.

On April 19, 2010, an MBA graduate named Fiyaaz Ahmed was held in Gurgaon for cloning cards. He allegedly stole data from 35 cards, duplicated three of them and did shopping worth Rs 3 crore.

On March 25, 2010, Hyderabad Police Task Force busted an international credit card cloning operation and arrested five people from Ranigunj in the city. The gang had collected credit card data of foreigners.

On March 22, 2010, a computer science student from Mangalore was nabbed by crime branch officials for using fake credit cards. Twenty-two-year-old Mohammed Fadil Koshmin was allegedly the ring leader of a card-cloning gang. He had a pan-India network and he made transactions worth Rs 10 lakh in six months.



What exactly is skimming?

Skimming is a process whereby a person just creates a cloned version of the card. This clone can be created by either using leaked credit card information or by swiping the card on a device called a skimmer, which captures the data on the magnetic strip of the card. The data can then be transferred to expired or blank card which are easily available in the market. And you have a cloned credit card ready.

Keeping your card in your view always is the only way to protect yourself. In such cases, technology can do very little. Itís people who have to be careful and itís important for you to be alert.

How does it work?

A skimmer simply copies the information from your credit card, which is used by a thief to make a cloned credit card. At a time a skimmer can hold data from hundreds of different credit cards. As the credit card skimming devices are easily available, thieves are using it.

This data can be easily uploaded on the net from a skimmer and e-mailed anywhere in the world. Skimming and counterfeit credit card scams are widespread all over the world. A factory located Far East has capacity of 10,000 cards per day, which is dispatched, mainly to Europe and Latin America.

Small-scale skimming operators are also active in a full fledge.



Few years ago, skimming was less common. Skimmers were too bulky to carry, so it is difficult to hide under counters. Smaller skimmers, roughly the size of a pager, hit the market four or five years ago. These skimmers are easily available and easy to carry, hide and easy to handle. In past you had to make a skimmer yourself. Now a day anybody can buy it on internet. A skimmer costs about $300, and the equipment to make a counterfeit credit card costs about $5,000 to $10,000.

Apart from this the fraudster put a small skimming bug into an older credit card terminal. The bug copies credit card data from the terminal. A few days later the fraudster removes the bug.

How to protect yourself?

It is impossible to eliminate this fraud, but precautions can always help. How to protect your plastic money:

  • Do not accept a credit card if the envelope containing it is already opened or is tampered with. The card could already have been cloned before the delivery.
  • Be alert when your card is being swiped for payment. It reduces the chance of being put through a cloning machine.
  • Never let your card out of your sight.
  • Make sure the merchant swipes it on a bank machine, not something else Ė it can be a skimmer.
  • Do not just glance through the credit card statement. Look through each transaction carefully to spot illegal usage.
  • Ensure that the part mentioning your card and account numbers on your statement is destroyed before you dispose them off.
  • Never throw away old receipts and bank statements in public bins.
  • Be careful when disposing of bank statements and credit card receipts. Criminals search dustbins for these.
Source: Internet and newspaper


* Shyamchand Salam is a frequent contributor to e-pao.net . The writer can be contacted via facebook or email: sshyam15(at)yahoo(dot)co(dot)in
This article was posted on April 19, 2011.



* Comments posted by users in this discussion thread and other parts of this site are opinions of the individuals posting them (whose user ID is displayed alongside) and not the views of e-pao.net. We strongly recommend that users exercise responsibility, sensitivity and caution over language while writing your opinions which will be seen and read by other users. Please read a complete Guideline on using comments on this website.




LATEST IN E-PAO.NET
  • 'Ishanou' Selection @ Cannes #1: Gallery
  • Violence in Manipur 2023-2024 : Timeline
  • MOU signed: MTI-HUB & KIIT-TBI & SAbF
  • Lament of the Mourning Choir :: Poem
  • "ST status for Meetei" at Wabagai
  • RSS-BJP fracas
  • Trials for Canoe Slalom World Cup
  • Poser from a villager says it all Kamjong
  • The cover-up effort
  • Birth Centenary of Jananeta Irabat, 1996 : #2
  • Manipuri women in the arena of politics
  • "ST status for Meetei" at Assam
  • Aimee Baruah at red carpet of Cannes
  • National Defence Academy Exam 2024
  • How digital media changed communications
  • Manipur stands scandalised
  • All eyes on UP battle
  • Descent of Radha-Krishna #32: Download
  • Riots to a shrine- Ram Mandir of Ayodhya
  • Handle with care. F.R.I.E.N.D.S inside!
  • The Power of Poppy - 31 :: Poem
  • Celebrate the journey !
  • Career counselling : A life guidance tool
  • Scientist of Manipur: Amom Ruhikanta
  • Conspiracy, thy name is Kuki !
  • "ST status for Meetei" at Thounaojam
  • Ket Meth New Album "Ghost Stories"
  • World Hypertension Day
  • International Day of Families
  • Let the rule of law prevail
  • When donation becomes obligatory demand
  • Tourism of Manipur through Gastronomy
  • Beyond Eternity :: Poem
  • Patriarch subjugation on women
  • Celebrate Manipuri Cinema shine at Cannes
  • Training on cultivation of various mushroom
  • Transformative impact of Ayurveda & Yoga
  • War for over a year : Delhi is answerable
  • The logic behind illogical chargesheet
  • Preserving Thang-Ta :: Rare Photos
  • Regarding Human Rights Situation in Manipur
  • World Hypertension Day 2024
  • Article 355 of Constitution of India #3
  • Disinformation campaign touba thengnarey
  • Deeply mourn the demise of Oja Biren Lamba
  • Water Mimosa for sustainable development
  • Publicity drives of educational institutions
  • ED's revolutionary move!!!
  • Malemnganbi Laishram : Science Topper
  • Featured Front Page Photo 2024 #2: Gallery
  • Thokchom Sheityajit : Arts Topper
  • Aiena Naorem : Commerce Topper
  • AISSE 2024 Exam Result- RKM Imphal
  • Gold, new world currency !
  • Milk for hair and skin
  • Of illegal immigrants & the larger picture
  • The missive from Kamjong
  • Hr Secondary Exam 2024 : Science Topper
  • HSE 2024 : Subject Pass Percentage
  • HSE 2024 : District Pass Percentage
  • HSE 2024 : Candidates with Highest Marks
  • Hr Secondary Exam 2024: Science Full Result
  • Hr Secondary Exam 2024: Arts Full Result
  • Hr Secondary Exam 2024: Commerce Result
  • Hr Secondary Exam 2024 : Arts Topper
  • Hr Secondary Exam 2024 : Commerce Topper
  • Sezo Ringa- Debut Music Video "Revival"
  • Journalism - A thrilling career #2
  • After Class XII where? The eternal question
  • Entry of Arvind Kejriwal
  • Birth Centenary of Jananeta Irabat, 1996 : #1
  • Our nurses, our future: Power of care
  • Screenplay Writing course concluded
  • Workshop on IP & Patent Filing held
  • Let there be less Politics in Sports
  • Sam Pitroda is absolutely white
  • Motherhood: Soul & spirit of family & society
  • Time has come to criminalise ecocide
  • Meiteis, a disappearing community in Manipur
  • World Bamboo Congress @Taiwan : Gallery
  • Ima Manipur should smile more
  • 2nd National Lok Adalat at High Court
  • The Power of Poppy - 30 :: Poem
  • Army impact on Tamphasana Wushu odyssey
  • Aftermath of ferocious hailstorm #1 : Gallery
  • "Dynamic library service" :: Book Rvw
  • Radio E-pao: Manipuri Film OST (130+ song)
  • Artificial Intelligence & Environment
  • Article 355 of Constitution of India #2
  • Integrated Farming Systems for farmers #4
  • Delhi's stand after 1 year of clash
  • A new type of terrorism
  • Scientist of Manipur: Waikhom Vishwanath
  • SRF, JRF, RA @ Assam University
  • The Bleeding River :: Poem
  • Executive Meeting of WMC Assam Unit
  • Journalism - A thrilling career #1
  • Raising the call to replace Minister
  • A storm in a political teacup
  • Cheirao-chingkaba @ Chinga : Gallery
  • Happy Mother's Day
  • Empowering hill communities via U-Mangra
  • African Swine Fever
  • Free Training on Mushroom at Nagamapal
  • Harshit Dhingaun recieves award from Korea
  • Look for ways to restore normalcy
  • The danger of last kicks of a dying horse
  • Preserving Thang-Ta traditions
  • Resolving ST issue by democratic process
  • Top 5 songs to awaken your inner patriot
  • Project Assistant @ Manipur University
  • Leishemba Sanajaoba conferred Doctorate
  • Double tragedy: No time for red-tapism
  • A Youtuber called Dhruv
  • Nupi Landa Thaunaphabishing : Full Book
  • 174th Anniv Maharaj Narasingh #2 : Gallery
  • Challenges in Healthcare in rural Manipur
  • A salute to leadership quality of PM Modi
  • Career in press for freedom of expression
  • One day after devastating hailstorm
  • Understanding the suffering of others
  • A ferocious hailstorm @Imphal : Gallery
  • Article 355 of Constitution of India #1
  • Integrated Farming Systems for farmers #3
  • Election gossip & rumours
  • 'Melodic Minds' Tour in Guwahati
  • Leaving a trail of destruction
  • Political see-saw
  • A brand-new Scientific discovery
  • In memoriam of the happiness we shared !
  • Crop/animal for higher productivity in NE #5
  • "ST status for Meetei" at Sekmaijin
  • Oh Motherland :: Poem
  • Animal life should be treated with dignity
  • '365 Days of Chin-Kuki Aggression' : Gallery
  • Renaissance of politics in our youth
  • TB & tobacco co-epidemics in Indonesia
  • The Power of Poppy - 29 :: Poem
  • Advanced Charging Infrastructure in NE
  • Lessons learnt in the last one year
  • True colour of politics
  • World Heritage Day @ MU : Gallery
  • "ST status for Meetei" at Kakwa
  • Joint Combing Operations in Jiribam
  • Reboot PSUs for jobs: Task for new Govt
  • Ayurvedic remedies to keep healthy eyes
  • May 3, 2023 to May 3, 2024
  • One year of crisis, and what next ?
  • Scientist of Manipur: Nongmaithem Rajmuhon
  • Whither social justice & work for women?
  • Taiwan to enhancing economic ties with India
  • Integrated Farming Systems for farmers #2
  • Athoubasingi Numit #2 : Gallery
  • Privilege trap of While Male Meitei
  • Crop/animal for higher productivity in NE #4
  • 'Chizami Model' working in Gujarat ?
  • Racing towards the one year mark
  • On misattribution & falsifying history
  • Nupi Landa Thaunaphabishing #15 :: Book
  • May Calendar for Year 2024 : Tools
  • 12th World Bamboo Congress at Taiwan
  • Complex dance of democracy in Manipur
  • "ST status for Meetei" at Pangaltabi
  • Integrated Farming Systems for farmers #1
  • Showing ugly face of muscle power
  • Spare the rod, spoil the monster
  • Descent of Radha-Krishna #31: Download
  • Socio-Historical analysis on Ethnic Conflict
  • "ST status for Meetei" at Langmeidong
  • Ngangbam Dipapati- Gold @European Cup
  • Crop/animal for higher productivity in NE #3
  • Fresh surge in violence
  • The real culprit
  • National Science Teacher workshop
  • Livelihood Disaster in Mapithel Region
  • Condemns Killing of CRPF Personnel
  • "ST status for Meetei" at Manipur College
  • Huidrom Oliviya: Silver @Cadet European Cup
  • Election: Runner-up may spoil the joy
  • Scientists of Manipur : Laishram Ladu Singh
  • Imphal Ring Road Project to Transform
  • Crop/animal for higher productivity in NE #2
  • The Power of Poppy - 28 :: Poem
  • Condemned unabated illegal taxation
  • Watermelon : Super nutritious summer fruit
  • People have spoken, Manipur has voted
  • Skirting around core issues
  • Lok Sabha polls in Manipur #2 : Gallery
  • The Taj Mahal that bans Lovers !
  • Importance of bees !
  • Massive hailstorm in Jiribam
  • The messiah of hapless children
  • Attack on fuel tankers & blasting bridge
  • Blame it on Meetei
  • The Happiness Code : Download
  • NH-2 Bridge bombed @Sapermeina : Gallery
  • Crop/animal for higher productivity in NE #1
  • Training Programme under SPARK concluded
  • Why environment control is so difficult
  • 4th Foundation Day- Young Minds Collective
  • All set for second phase poll
  • The Nongsaba phenomenon
  • Khongjom Day @Khebaching #1 : Gallery
  • India's responsibility to end Manipur violence
  • Migrant worker could access TB services only
  • Importance of reading magazines as student
  • SHG pioneering agricultural innovation
  • Nearing the one year mark
  • The enemy within
  • Id-ul-Fitr @Hatta #2 : Gallery
  • Workshop @ NSU Manipur : Gallery
  • 15th Manipur State Film Awards 2023
  • "ST status for Meetei" at Panthoibi Shanglen
  • GSDP doubles, health shines
  • Vote has been cast, repoll held
  • Two faces of democracy
  • Laurels for Scientist Ngangkham Nimai
  • Crime against women in Manipur
  • "ST status for Meetei" at Sugnu
  • Creativity & innovation for vibrant career
  • 4th Foundation Day of YMC
  • Racing towards one year mark
  • Prophetic words, indeed
  • Nupi Landa Thaunaphabishing #14 :: Book
  • 174th Anniv Maharaj Narasingh #1 : Gallery
  • Ensuring Fair Voting in Hills of Manipur
  • Dr Irengbam Mohendra's latest book :: Rvw
  • NDA has the advantage in both
  • Lok Sabha polls in Manipur #1 : Gallery
  • L Rup's Robot 'Kangleinganbi' in Manipuri
  • Art- means of connecting hearts in Manipur
  • Is it Living Alive or Living Death ? :: Poem
  • Rabies - A preventable zoonotic disease
  • April 19, 2024: The blackest day of all
  • Ugly turns on voting day
  • Children Camp @JNMDA Imphal #2 : Gallery
  • The chasm between TB & HIV continues
  • Parliament and its Members
  • Kimchi for health and glowing skin
  • LS election with a difference
  • To vote, or not to vote ?
  • Sajibu Cheiraoba Chak Katpa #2 : Gallery
  • Scientists of Manipur : Laitonjam Warjeet
  • Community seed bank @Umathel : Gallery
  • Saving Manipur
  • Sajibu Cheiraoba: 1 occasion, 2 narratives #2
  • Athoubasingi Numit #1 : Gallery
  • Id-ul-Fitr @Hatta #1 : Gallery
  • 80th Anniv- Battle of Kanglatongbi @UK
  • Hun - Thadou Cultural Festival : Gallery
  • Scientists of Manipur : Ngangkham Nimai
  • Sajibu Cheiraoba Chak Katpa #1 : Gallery
  • Beating of the Retreat #1 : Gallery
  • Kenedy Khuman (Singer) : Gallery
  • Students @ Class X Exam : Gallery
  • Save Manipur : Protest [Feb 15] #3 : Gallery
  • GHOST of PEACE :: Download Booklet
  • List of Kings of Manipur: 33 - 1984 AD