$12000 Cloned Credit Card, How Does Card Cloning Work?
Card cloning is a fairly elaborate scheme. More specifically:
An accomplice is recruited – someone with physical access to credit cards e.g. a cashier, restaurant server etc.
They are given a skimmer – a compact machine used to capture card details. This can be a separate machine or an add-on to the card reader.
The accomplice swipes the card through the skimmer, in addition to the POS machine used for normal payment.
The accomplice hands back the card to the unsuspecting customer.
The details captured are transferred by the skimmer to the magnetic strip in a blank card.
The cloned card can now be used in the way a legitimate card would, or for additional use such as gift carding and other carding.
There are, of course, variations on this. For example, some skimmers will be attached to ATMs, or to handheld card readers. As long as their users swipe or enter their card as usual and the criminal can return to pick up their device, the result is the same: Swiping a credit or debit card through the skimmer machine captures all the information held in its magnetic strip.
Additionally, shoulder-surf or social engineering techniques can be used to find out the card’s PIN, or even the owner’s billing address, so the stolen card details can be used in even more settings.
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