All of you have a credit or debit card of some bank which you use to pay or withdraw money somewhere. Last year, some banks changed the credit or debit card of their customers to give them a card with Wi-Fi chip. The danger with Wi-Fi cards is that Rs 2,000 can be withdrawn from your bank account without entering a PIN. In such a big question, if you have such a credit or debit card, how can you avoid fraud?
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Recently, the Greater Noida Police caught a thug who used to get money by touching a Wi-Fi debit-credit card with a POS (point of sale) machine, though the card was still in people's purse or pocket.
How Wi-Fi Credit-Debit Card Works
First of all, Wi-Fi enabled credit-debit card is also called a contactless card. Up to Rs 2,000 can be withdrawn from a POS machine without using a PIN from such a card. If you have a Wi-Fi credit-debit card in your pocket, thugs can withdraw money by touching the POS machine in your pocket. The range of such cards is 4 cm.
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Such a card may be called Wi-Fi Credit-Debit but does not work through Wi-Fi. Such a card works on NFC (Near Field Communication) and RFID (Radio Frequency Identification) technology. Such a card has a chip that is attached to a very thin metal antenna. The POS machine gets the signal through this antenna and the same antenna gets power from the POS machine under the radiofrequency field. Most of the 2,000 rupees are withdrawn from your account just after coming in contact with the POS machine. Learn how to protect a Wi-Fi credit-debit card from fraud in the next slide. The question now is that if you have a credit or debit card with a Wi-Fi chip, then how to keep it secure. The first task is not to hand over the card to the shopkeeper while making payment in any hotel or shop. Swap in front of you and check the messages after the transaction at the same time. The second thing is that if you have such a card, then wrap them in aluminum foil paper or you can use a metal wallet to protect it. RFID blocking wallets are also available in the market which you can use.
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