Kadhi yako yeATM uye Kubata Kwekuzivikanwa

Skimmers Hauna Hanya, Asi Iwe Unofanira

Kwemakore iye zvino mutsetse wakanganisa pakati pekwereti makadhi nemakadhi eATM (kana kuti debit makadhi) . Kunyange zvazvo vachishanda zvakafanana paPall-of-Sale machine (POS) uye mushambadzi webhangi yako, kana kuti automated teller (ATM) , kubva pakuzivikanwa kwehutano pane misiyano yakakura, kunyange zvazvo mhando dzose dzemakadhi zvingabirwa ne "skimming ". Chero nokuti kadhi yako ine Visa kana MasterCard logo mukona yezasi haisi chivimbo chokuti mari yako yakachengeteka.

Iko Kusiyana Kwakawanda

Paunosvitsa kadhi rechikwereti muresitorendi kana pombi pamhepo, kambani yekadhi yemakadhi yekwereti inokwereta mutemo uye inokubvumira kuti iwe uibhadhara zvakare shure kwenguva. Apo vakabuda nemafungiro, yaiva nzira yakanaka yekudzivirira mari yako, nokuti iwe hauna kutakura mari zvakare. Kana kadhi rako rechikwereti rabiwa, unogona kuwana imwe chete. Zvechokwadi, nhasi iyo nyaya yakasiyana zvachose. Kana mumwe munhu achiba kadhi rako rechikwereti vanogona kukonzera bhiri guru uye iwe pamwe uchapedza nguva yakawandisa uye simba uchiedza kuchenesa marara. Kana zvisina kudaro, iwe unogona kuudzwa kune zviremera zvekupa chikwereti chekwereti (kana kuti maRA) seAxperson, uye unonetseka kuwana chikwereti mune ramangwana.

Asi chinhu chinokosha chokuyeuka nezvekwereti yemakadhi ndechokuti kana iwe uchivashandisa, uri kuita vimbiso kune kambani yemakadhi yekwereti yaucharipa. Mune mamwe mazwi, hausi kushandisa mari yako ikozvino.

Paunosvitsa kadhi yako yemari , iwe uri kupa gesi rekutsvaga kana Wal-Mart kupinda pabhangi yako yebhangi kuitira kuti vatore mari yekutenga kwako.

Kana imwe nguva mari yako yapera, iwe unogona kunge wakaomerwa nekuiwana. Kutaura zvazviri, kana uchitaura kuti kadi yako yeATM yabiwa, zvinogona kutora mwedzi miviri kuti udzorere mari yako. Uye izvo chete kana bhishopu ichitsvaga kuenda.

Low Tech ATM Kutengesa

Mamwe mazivivha embavha seanzira yepasi-tech, achiedza kuba kadi yako yeATM nekuisa chidimbu chepurasitiki kana glue mukhadhi slot.

Izvi zvinogona kuita kuti ATM igare ichikumbira PIN yako, zvichiita kuti zvive nyore kune mumwe munhu kutarisa pamusoro pefudzi rako paunenge uri kuisa mukati. Ne glue iri mukadhi slot, kadhi inogona kubatwa muATM. Mumiriri wembavha kazhinji anomira shure kwako kumirira kushandisa mishonga. Pavanoona dambudziko rauri kuita, vanove vanobatsira zvikuru uye vanoti chimwe chinhu chakadai, "Mushini uyu unogara uchingoita izvozvo. Ingozviisa mu PIN yako katatu uye ichasunungura kadhi rako." Ichokwadi kuti izvi hazvibatsire, saka vanozvipira kutarisa iyo michina paunenge uchienda kuwana rubatsiro. Kana uchangobva kuonekwa, ivo vachakwevera zvipfeko zviviri kana zviputi-mapapiro mukati mehomwe yavo, kuvhara kadhi rako, uye kuenda kunotenga.

Zviri pachena kuti kana uri kutambudzika nemichina yeATM, chenjerera uyo waunovimba kana iwe uchifanira kubva pairi. Muchengeti kana mapurisa kazhinji anonyanya kutengesa.

High-Tech ATM Matambudziko

Kadhi "skimming" inzira yakakurumbira yekuzivikanwa mbavha kuti uwane ruzivo rwekadhi yako yeATM. Dzimwe nguva vanoisa chigadzirwa pamushandi weATM pachako. Munhu anoita seanoita sechikamu chemichina uye anogona kunge akaoma kuona. Paunoisa kadhi yako mumushini, inopfuura nepakati pekutanga. Kana mutengesi wako wapera iwe unotora kadhi yako kuti isadzoke kune yakachenjera.

Mumiriri wembavha achaunganidza mucheche gare gare, uye nhamba yako yekadhi nayo. Kana kuti, muchengeti anogona kunge ane kadhi kadiki yeBluetooth. Kana izvi zviri izvo, mbavha chaiyo haitombofaniri kutora mufananidzo asi ingovhara zvakakwana kuti udzivirire ruzivo. Munguva pfupi yapfuura, vanoongorora vanove vakawanika pamagetsi emagetsi zvakare.

Common Sense Tips

• Usavimba nomumwe munhu ane kadhi rako. Kana ukaiisa kune mumwe munhu, mushandi / mushandi, kana mutengi webasa rekuita , chengetedza maziso. Uye yeuka, kana iwe ukarega mumwe munhu kushandisa kadhi yako uye ivo vanopedza zvakawanda kupfuura zvaunoda ivo, zvichava zvisingabviri kutora mari yako kubva kubhangi. Kunyange makambani ekadhi rechikwereti achaita kuti iwe ubhadhara kumushandisi akakodzera "overspend".
• Usavimba nomunhu asingazivi. VaSamariya vakanaka vachiripo, asi vazhinji vanoziva kuti mbavha dzichauya semumwe munhu anoda kuibatsira munguva yekushaiwa.

• Shandisa kadhi rechikwereti pane. Zviri nyore kuti uudze kambani yemakadhi ekwereti iwe uri kuripa mushumo wekuti iwe uwane mari yako kubva kubhangi, kunyange nemitemo iri munzvimbo yekudzivirira vatengi.
• Shandisa mari panzvimbo. Mushure mezvose, kana mbavha inenge ichizivikanwa inopera nemari yezvose zvawakarashika ndiyo mari yaakatora. Nzvimbo dzakawanda dzinotora mari uye iwe kazhinji haufaniri kunge uine chizivo.
• Tarisa zvakapoteredza makamera. Kana iwe uchikwanisa kuona kamera apo uri kushandisa kadhi yako, mikana yakanaka yakanaka-ingave arivha mbavha ichava pane firimu ichiisa chikwata chekudzidzira. Izvi hazvivimbisi kuchengetedza, asi mavhavha ehuzivi anowanzove kamera nyenyedzi nekuda kwezvikonzero zvakajeka.
• Shandisa maATM anovimbika. Bheji yako yakanakisisa ndeyokushandisa makemheni ebhangi rako. Rimwe bhengi ndiyo yakanakisisa yechipiri yekusarudza. Shandisa ma-ATM oga paunenge uchida.
• Foni yako ishamwari yako. Kuchengeta nhamba dzefoni dzebhangi rako uye makambani ekadhi rechikwereti pafoni yako inokubvumira kuvabvunza pakarepo apo chimwe chinhu chinoitika kumakadhi ako. Kukurukurirana ndicho chinhu chikuru chekutarisana nebhangi rako kana zvichiitika kwauri.