I always keep my all my Debit anf and Credit Cards temporary blocked using Banking App / Net Banking. Whenever I am going to make a online/offline transaction, I first unblock the card, set the exact transaction limit. As soon as I complete the payment, I take the purchased goods and block the card again. I strongly request all the viewers to do the same. Keep your money safe. Jai Shree Ram, Jai Bharat. 🇮🇳
So I use two methods to avoid this. 1. I always limit the max transaction value through Credit Card App and disable ATM and International transactions. 2. I got myself RuPay Credit card and added it in UPI, so now I am using UPI APP for credit card transactions as well. And even for Rupay card I set max transaction value to avoid any misuse
DHERE DHEERE SAMAJH AANE LAGA HAI KI MERA ATTENTION SPAN BADHTA JAA RAHA HAI , THANK YOU ZERO1 AND PRATEEK SIR , BAS AAPKO HAMARE LIYE TO VIDEO BANANA HAI RUKNA NAHI HAI
@@keepitshrt Exactly! Apps like gpay and samsung pay use a virtual card number while tap to pay. This prevents your real card number to be revealed to pos machine
same happened with me Money got deducted while I was driving, didn't even receive OTP. Raise a complaint with cyber crime as well as bank and got the refund thanks to HDFC bank
don't use card at all, use mobile nfc to pay by same card all time.... and set max limit to 5k if needed increase instantly to whatever needed and in mobile swipe down from top turn on NFC instantly when needed and then off again after payment done.
How come the credit card company can’t do such a thing by compelling the credit card user to input a pin which is generated instantly when the card is used and the pin is delivered to the holder in his mobile phone
Isn't that OTP, Sherlock ? Plus, this would be slower, sometimes OTPs take a minute or two to come due to network issues + how hard is it to take some precautions ?
yes they definitely should, i think they will need to update all POS machine softwares to accept OTP instead of pin, sure they can make it optional feature for customer
Please use UPI credit card you don't have to swap your credit card you don't have to swap the credit card only scan QR code second do not have the option of click and pay it is dangerous
I always keep transaction limits, based on the bill, I change it (increase) and back to normal (2000/-) then and there. Negligence is your biggest enemy
Very nice video, really informative, but i really feel that such videos should be made in Hindi so it can benefit even large population. I really encourage you guys to make hindi version of this so I can share it in my family whatsapp group.
I am safe from all these fraud but I am not sure how to safeguard from card reader because most of the time biller with take card and swipe they might feel offended if we ask we will swipe ourself. But I will try to enabled tap for higher amount instead of swiping.
While cloning is not impossible, it's really tough for chip based cards. For the same reason, all banks are now mandated to issue only chip based cards. Cloning really happens very very rarely now a days.
Why don't google understand this and stop complete access to sms to any app Just remove access to every app except for sms app.this is very important This is why I switched to ios
Thank you for taking the time to educate us. Unfortunately, in today's fast-paced world, many of us tend to grab onto things without fully thinking them through. Please keep sharing such valuable and informative videos-they are greatly appreciated. Once again, thank you for this wonderful video, and I apologize if my words came across the wrong way.
Thats why i always keep my transaction limit to 30k for all my cards... Even if i want to spend i cant more than 30k. When required we can always increase the limit!!
Axis Bank card getting hacked but secured by fraud detection. I needed to request replacement. Bank was cooperative. This is a big problem. Can't let the guard down in financial environment.
RBI norms mandate the bank to refund any amount fraudulently charged within 10 days, if you report this fraudulent charge within 3 days. Moreover, the onus of proving it wasn’t fraudulent is on the bank! Credit Cards are by far the safest! I haven’t used my Debit card in years!
I still remember getting random UPI requests initiated message ? Is it of concern that someone is trying to do that (but they couldn’t succeed ). But trying is not a crime so we cant do anything right !? Or maybe someone mistakenly entered my number ?
@@sujaykirti47actually yes, only for credit cards. if you inform the bank within 3 days they must refund the amount to your card within 10 days. They may also block and re-issue your card. This is an RBI norm.
card ke andar ek data hota h jo ke encrypted hota h, us data ko read kar ke jaise ka tesa doosre card ke chip me copy kar dete h, ban gai copy, magnetic stripe pe ye kam ho sakta h, chip se nahi aur na he tap and pay se, kyuki indo tareeke se sirf card ka token machine ko milta h, i.e sirf vo info jiski zarurat h
I cant believe the video does not cover NFC mode of payment which requires just fingerprint authentication.. Digital wallets carry a different card number for your credit/debit cards, which is an additional layer of security altogether..
The cvv is honestly a joke. Getting the card mean getting all details on card. Plus they can see my pin while i am entering. I was and am afraid of using debit card due to this
I think the concepts are a bit dated. Magnetic stripe based transactions are not put through by banks when a chip is present on the card and the machine is capable of reading it. One cannot duplicate the chip. So, skimming or counterfeit cards are almost a thing of past now. This video feels a bit superficial and only surfs us through common scams.
What I do is .. I have 2 cc cards one with 14 k limit and other with 150k limit i use 14k limit card on all offline transaction.. and i do not use debit card infact i do not remember last time i used my DEBIT CARD 😅 . I never carry it 😂. . Next thing i will do is get a rupay cc next year..
Exactly. It's been a while since MST has been phased out. This video is clearly fear mongering. Credit cards also provide superior fraud protection than bank accounts.
YOu should do De-influencing in regional languages too. Starting with Hindi. A lot of scam are happening with elderly people and they might not understand english. Looking forward for good content as usual :) . Also please cover scams happening using Aadhar card.
Credit Card can be useful when there is no balance in our account, I don't have credit Card,can we use it in UPI to do transaction ( registering with credit Card)
UPI & Debit cards scams are even more tough to get sorted. With credit cards, chargeback is more seriously taken, unfortunately, can't be said the same for debit / upi
RBI norms mandate the bank to refund any amount fraudulently charged within 10 days, if you report this fraudulent charge within 3 days. Moreover, the onus of proving it wasn’t fraudulent is on the bank! Credit Cards are by far the safest! I haven’t used my Debit card in years!
![Retired & Travelling in Their 70s? [Living on Passive Income]](/img/n.gif)
I always keep my all my Debit anf and Credit Cards temporary blocked using Banking App / Net Banking.
Whenever I am going to make a online/offline transaction, I first unblock the card, set the exact transaction limit. As soon as I complete the payment, I take the purchased goods and block the card again.
I strongly request all the viewers to do the same. Keep your money safe. Jai Shree Ram, Jai Bharat. 🇮🇳
That’s why I disable the transactions on the card and enable for few minutes only when I want to do it
Same
This is what I do too. only unlock it just before using, then lock it again.
I haven't disabled but set very low limit 1000 or 2000 on all my cards
@ that is also why to waste
So u keep yr hide apps PW always memorized?
Identity theft is not a joke Jim
Office
But it is
Bears, Beets, Battlestar Galactica 👀
So I use two methods to avoid this. 1. I always limit the max transaction value through Credit Card App and disable ATM and International transactions. 2. I got myself RuPay Credit card and added it in UPI, so now I am using UPI APP for credit card transactions as well. And even for Rupay card I set max transaction value to avoid any misuse
Same
Now I figure it out, how big TH-camrs Spend a lot of money on currency, they are doing carding
DHERE DHEERE SAMAJH AANE LAGA HAI KI MERA ATTENTION SPAN BADHTA JAA RAHA HAI , THANK YOU ZERO1 AND PRATEEK SIR , BAS AAPKO HAMARE LIYE TO VIDEO BANANA HAI RUKNA NAHI HAI
Hum nahi rukenge! ❤️
Bro unko video banane se pese milte hai tu na bhi dekhega to koi farak nahi padta
@@fakegameryt1234 what!!! Do you know how to educate financially then let me know bro I will learn from you then...
Best is tap and pay through CC .... Which was fast ⚡
Use phone to tap and pay nfc so that no one will know which card you have and it's numbers
@@keepitshrt Exactly! Apps like gpay and samsung pay use a virtual card number while tap to pay. This prevents your real card number to be revealed to pos machine
Still scam with credit card can be reversed especially in abroad.. It will be a nightmare with a debit card!
Very informative.. pls continue this series..
same happened with me Money got deducted while I was driving, didn't even receive OTP. Raise a complaint with cyber crime as well as bank and got the refund thanks to HDFC bank
Use a second bank account for daily use. Keep balance low like around 5000.
That will limit your losses incase there is a fraud.
only for debit card
that's where samsung wallet is there for rescue, Tap and pay with phone - no card in the scene at all.
Definitely, i hate apple for not having this feature in India.
@@adityajain5238 Tap to Pay is in Gpay and Cred already
Any android phone with NFC using google pay.
@@arungolla but there are better UPI apps out there.
@@adityajain5238 really? damn
That's why i only use NFC for payments..
Very nice information...
don't use card at all, use mobile nfc to pay by same card all time.... and set max limit to 5k if needed increase instantly to whatever needed
and in mobile swipe down from top turn on NFC instantly when needed and then off again after payment done.
Most important content ❤ thanks for sharing, wish u make the Hindi version if same it gonna help lot more audience
Please help understand the risks of tokenization of credit cards and if it is unsafe, why RBI itself is promoting it in the first place?
How come the credit card company can’t do such a thing by compelling the credit card user to input a pin which is generated instantly when the card is used and the pin is delivered to the holder in his mobile phone
Isn't that OTP, Sherlock ? Plus, this would be slower, sometimes OTPs take a minute or two to come due to network issues + how hard is it to take some precautions ?
yes they definitely should, i think they will need to update all POS machine softwares to accept OTP instead of pin, sure they can make it optional feature for customer
Please use UPI credit card you don't have to swap your credit card you don't have to swap the credit card only scan QR code second do not have the option of click and pay it is dangerous
I always keep transaction limits, based on the bill, I change it (increase) and back to normal (2000/-) then and there. Negligence is your biggest enemy
Very nice video, really informative, but i really feel that such videos should be made in Hindi so it can benefit even large population. I really encourage you guys to make hindi version of this so I can share it in my family whatsapp group.
ohh i should have waited till end of the video.. or at least till 8:30
I am safe from all these fraud but I am not sure how to safeguard from card reader because most of the time biller with take card and swipe they might feel offended if we ask we will swipe ourself. But I will try to enabled tap for higher amount instead of swiping.
Pay via NFC if ur phone doesn't support get a smartwatch that supports it like galaxy watch
use tap payments
use tap payments
Nowdays every card has emv chip to protect from skimming
While cloning is not impossible, it's really tough for chip based cards. For the same reason, all banks are now mandated to issue only chip based cards. Cloning really happens very very rarely now a days.
Why don't google understand this and stop complete access to sms to any app
Just remove access to every app except for sms app.this is very important
This is why I switched to ios
@@ComposewithAi u can do it on android . While installing app it asks whether u want to give permission to access sms
Such a good excuse to buy an iPhone 😂😂😂😂😂😂
Just another Educated ignorant chapri iphone buyer
Why are cards being swiped? Cards no longer have a magnetic strip. Now its through chip which needs card to be inserted in POS machine.
I myself don't know my pin. Can I still get scammed?
Arre, mudit bhai.. 👏
What about different apps like Amazon, Swiggy prompting that it is an RBI guideline to save card details? Is it safe?
RBI never advises to save card but gives u option not to save it online/
Thank you.. Great info..
Aren't the newer (10 years in use) chip cards free from skimming?
Thank you for taking the time to educate us. Unfortunately, in today's fast-paced world, many of us tend to grab onto things without fully thinking them through. Please keep sharing such valuable and informative videos-they are greatly appreciated. Once again, thank you for this wonderful video, and I apologize if my words came across the wrong way.
Your love and appreciation keep us motivated.
In airtel, I cannot change call forwarding when un answered.. It saying not allowed by operator..
Thats why i always keep my transaction limit to 30k for all my cards... Even if i want to spend i cant more than 30k. When required we can always increase the limit!!
Axis Bank card getting hacked but secured by fraud detection. I needed to request replacement. Bank was cooperative. This is a big problem. Can't let the guard down in financial environment.
stop subtlety promoting apple products guys for free.
😂😂😂 they are doing subconsciously
If you don't know the reality don't speak it really happened because of iPhone they could not make the scam.
I feel you are part of scammer community.
Very informative
If the codes were updated in video bio/comment it would be really helpful
Always put amount limit in card control....use pin based swipes only
OTP should made mandatory ❤
Your money is more secured as demat shares than in the digitalized bank vaults. So buy shares, bonds and be low on cash.
what about international transaction??
Can some one explained to me how these DLM get their our data. Even before entering into the first transection.
Thank you
RBI norms mandate the bank to refund any amount fraudulently charged within 10 days, if you report this fraudulent charge within 3 days.
Moreover, the onus of proving it wasn’t fraudulent is on the bank!
Credit Cards are by far the safest!
I haven’t used my Debit card in years!
I still remember getting random UPI requests initiated message ? Is it of concern that someone is trying to do that (but they couldn’t succeed ). But trying is not a crime so we cant do anything right !? Or maybe someone mistakenly entered my number ?
If it happens a lot, report that to cybercrime website.
Best is to use crypto, just need to ensure the private key is safe. On top of that no vasooli by Tai, neither indirect or direct.....
if you inform bank within 24 hours of scam your amount will be refunded but in case of UPI money is gone.
There's nothing like that.
@@sujaykirti47 there is. read RBI guidelines. I have used it in past.
@@sujaykirti47actually yes, only for credit cards. if you inform the bank within 3 days they must refund the amount to your card within 10 days. They may also block and re-issue your card.
This is an RBI norm.
card ki copy kese hoti ha clone kese banate ha ye to batao sir, itne saalo se bus yahi sun rahe hai.
Same Qs
card ke andar ek data hota h jo ke encrypted hota h, us data ko read kar ke jaise ka tesa doosre card ke chip me copy kar dete h, ban gai copy, magnetic stripe pe ye kam ho sakta h, chip se nahi aur na he tap and pay se, kyuki indo tareeke se sirf card ka token machine ko milta h, i.e sirf vo info jiski zarurat h
Is there any systems which can copy card details by Tap and Pay?
Yes. Look it up
super info
7:00 sensitive pages such as upi pin can't be recorded by the phone
But nowadays we just tap n pay that too with nfc apps
Thanks sir.😅 I didn't know.
I would request you to create video on crypto scams, p2p scams, i have alot of stories to share and have seen people lost lakhs of money.
Already set limit for transaction
I cant believe the video does not cover NFC mode of payment which requires just fingerprint authentication.. Digital wallets carry a different card number for your credit/debit cards, which is an additional layer of security altogether..
Can we add PIN plus OTP option while paying on POS
Just use your card emv instead of swiping
The cvv is honestly a joke. Getting the card mean getting all details on card. Plus they can see my pin while i am entering. I was and am afraid of using debit card due to this
This happens in abroad... I know but in India too 😕😔
I think the concepts are a bit dated. Magnetic stripe based transactions are not put through by banks when a chip is present on the card and the machine is capable of reading it. One cannot duplicate the chip. So, skimming or counterfeit cards are almost a thing of past now.
This video feels a bit superficial and only surfs us through common scams.
What I do is .. I have 2 cc cards one with 14 k limit and other with 150k limit i use 14k limit card on all offline transaction.. and i do not use debit card infact i do not remember last time i used my DEBIT CARD 😅 . I never carry it 😂. . Next thing i will do is get a rupay cc next year..
*#21# not working on my Realme
Credit cards have remaining balance?
They have credit limit.
1:00 actually 2 wrong things happened one you mentioned the other was using the phone while driving
While GENZ using UPI
its easy put a limit on credit card
and put dispute
That's why I use tap to pay 😉
Magnetic strip has long been discontinued and now u are posting 😂
😂
6:15 Apple user, Yup that says it.
That's definitely not how it works.
Please check really if you can just duplicate a card with just a swipe.
This is all shown in a documentry
Exactly. It's been a while since MST has been phased out. This video is clearly fear mongering. Credit cards also provide superior fraud protection than bank accounts.
You can. And most card readers are clamshells that snap onto a PoS like a case on your phone.
Request karne ka tareeka thoda casual hai
Btw must see from 10:00
Bhai Bina otp transaction kaise hoga
Foreign ke bahut sare website me OTP no lagta h only card details se payment ho jata h
I restrict my card to be 10% of credit limit until I require more for a specific payment 🙃
Don't earn money no problem at all. Earn in crypto and pay using phone nfc
Don't promote phone use while driving.😠😠😠
Damn that *#21# worked on the iPhone wow
Day before yesterday i get a call from scammer
Thank god I decided to be debt free n blocked all my credit cards😂😂
😂
I always do wifi transaction, simply becoz I dnt remember any of my credit cards pin 😂
I switched to gpay tap and pay to escape this..
learn to write debit msg atleast....Card debited not Ac
mob nfc is I think more better
6:21 that's iphone 16 😒
😂🤣🥲
Oops! 😅
*# no is not working
Try dialing *#21#
@@Zero1byZerodha it shows invalid MMI code I m using realme phone
That's why i deactivate the card after using it ......😂😂😂
There something called NFC.😅
That's why i don't keep cards ,make most of my transactions via my company account 😂😂😂😂😂😂😂
First comment 😅
👍👍
UPI is the most secure today! only social engineering attacks can break the system.
Jamtara season 3
Matlab ki baat jaldi nai bata sakte kya?...fizool main video khechna h
Hindi me bano sir
YOu should do De-influencing in regional languages too. Starting with Hindi. A lot of scam are happening with elderly people and they might not understand english. Looking forward for good content as usual :) . Also please cover scams happening using Aadhar card.
They have made the hindi channel already
Don't mix up languages, make videos in English
Why use cards UPI is better 😂
offers and privileges
Credit Card can be useful when there is no balance in our account, I don't have credit Card,can we use it in UPI to do transaction ( registering with credit Card)
UPI & Debit cards scams are even more tough to get sorted. With credit cards, chargeback is more seriously taken, unfortunately, can't be said the same for debit / upi
Don't speak hindi
Why are you imposing your language on us??
You know you can just.. Not watch him?
@@normalchannel2185let me guess, your mother tongue is gutkha...
I always change my ATM pin and credit pin every month
Thank God, I never opted for a credit card..
But you have debit card😅
Lmao. The same can happen with Debit cards or UPI. Good luck fighting with your bank if god forbid, you get scammed.
RBI norms mandate the bank to refund any amount fraudulently charged within 10 days, if you report this fraudulent charge within 3 days.
Moreover, the onus of proving it wasn’t fraudulent is on the bank!
Credit Cards are by far the safest!
I haven’t used my Debit card in years!