What is a Card Testing Attack?
A card testing attack is a fraudulent method used by cybercriminals to determine the validity of stolen credit card information. By making small purchases and then canceling them, the attacker can verify if the card is active and has sufficient funds without raising suspicion.
Methods Used in Card Testing Attacks
- Small Purchases: The attacker makes small purchases and cancels them to test the card's validity.
- Online Transactions: They often use online shopping to conduct these tests, as it is harder to trace.
- Phishing: Sometimes, phishing emails are used to trick cardholders into providing their card details.
How to Protect Yourself
Protecting yourself from a card testing attack involves several steps:
- Monitor Your Transactions: Regularly check your bank statements for any unauthorized transactions.
- Use Two-Factor Authentication: Enable two-factor authentication on your banking apps for added security.
- Be Wary of Phishing: Never click on suspicious links or provide your card details in response to unsolicited requests.