The Guardia Civil has launched an investigation into a person in Lanzarote accused of committing fraud through ‘carding’, a cybercrime involving the use of stolen credit card data. The investigation is part of an anti-cybercrime operation after a victim reported unauthorised charges totalling €5,018 made on their credit card at online betting sites and stores.
The complaint (denuncia) was filed in August at the San Bartolomé police station detailing 63 unauthorised transactions. In response, the Guardia Civil's cybercrime unit gathered evidence, leading to the identification of a suspect who is a resident of Lanzarote.
In carding scams, cybercriminals steal credit or debit card data through various methods, including phishing, malware, and fraudulent websites. In this case, sophisticated online fraud detection techniques were employed to track down the suspect.
Carding involves using stolen credit or debit card information to make fraudulent purchases online or subscribe to services. Criminals typically test the card with small transactions to bypass security checks before attempting larger purchases, allowing them to determine the available balance and potential use of the card.
Common Techniques Used by Cybercriminals:
1. Phishing, smishing, or vishing: Scams that trick victims into revealing card details.
2. Malware like keyloggers: Software that captures keyboard strokes.
3. Hacked websites: Using leaked databases to gather user information.
4. Card cloning: Copying card data through physical access or devices like RFID/NFC readers.
5. Fake websites: Trick victims into entering card information.
1. Ignore spam emails or messages from unknown senders.
2. Regularly monitor bank transactions, especially during online shopping periods.
3. Disable NFC on your mobile device when not in use or use RFID blockers.
4. Ensure online stores use secure payment gateways.
5. Use prepaid or virtual cards for online purchases.
6. Enable two-factor authentication for payments.
7. Report any suspicious activity to your bank immediately.
Cybercrime is on the rise, and everyone is at risk. Taking proactive steps and being aware of common fraud techniques like carding is crucial to preventing unauthorised transactions. If you suspect you've been targeted, contact your bank and report the incident to the police.
