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RFID Debit/Credit Cards Hacking And How To Stay Safe

RFID Debit/Credit Cards Hacking And How To Stay Safe
RFID Debit/Credit Cards Hacking And How To Stay Safe
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Kumar Sunil

Dreamer & Enthusiast

Creative. One word says it all for Sunil. A engineer, an enthusiastic and conscientious Information Technology consultant by profession, Sunil shares a special interest with entrepreneurship and lifestyle.

There is no doubt that science has made tremendous progress, especially in information technology and broadcasting sectors. With the advent of debit cards, credit cards, and ATM machines, dealing with money has become very easy. Consequently, we have witnessed an abrupt rise in the numbers of financial fraud cases. Debit cards, credit card, online banking, or ATM frauds are nothing new and we all know about these. However, not many people are aware of RFID (Radio Frequency Identification) scandals. If you are carrying a contactless smart debit or credit card, then you must read this article. In this article, I will be talking about RFID debit/credit cards hacking and how to stay safe.

What is a contactless smart card?

The type of (debit/credit) cards, most of us are using these days, are not RFID enabled. To make payments, you need to swipe them using a card reader. However, there are a few banks that have already started with RFID enabled debit/credit cards.

ALSO READ – Tips on Using Your Credit Card Wisely

These are better known as contactless smart cards with a chip that emits radio waves. Unlike other cards, you don’t need to swipe them. When an appropriate “reader” or “scanner” is activated, it scans the field nearby. If an RFID chip is in the field, its information is read and after performing the essential procedures, payment is processed.

How is RFID Debit/Credit Hacked?

Instead of writing a complete article on this topic, I would rather like to talk briefly about this.

Two types of skimmers are used for RFID hacking.

1Insert Skimmers

The first one is known as “insert skimmers.”As the name states, this skimmer is secretly but physically installed into ATM machines, gas pumps, self-checkout lane terminals or at other point-of-sale machines. When you swipe your card through them, they steal your name, card number, expiration date, and CVV code.

Now, what if a hacker installs it in a busy ATM? Can you imagine, how easily he can get access to the secret information of more than 100 users in a single day?

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2Remote Machine

The second is the remote machine. This can read your RFID debit/credit card from a few feet away and can transmit all your personal information to the hacker. Before you get to know, the hacker will wipe off your accounts.

How do anti-theft RFID metal card Wallet help in case of RFID (contactless smart) cards?

To make this clear, I would like to give you an example. Portray yourself on a foreign trip for a few days with your RFID debit/credit cards. Now, the moment you step in a busy mall with your RFID debit/credit card, a hacker steals out every required piece of information. Later on, through some bogus accounts, he transfers every penny you have in that account.

In such a case, lodging a complaint with concerned authorities is the only thing you can do. However, recovering money from those bogus accounts is not an easy thing to do and it may take months. And maybe you have to depart before they finish their investigation. The best way to protect yourself from such a big trouble is – having an RFID metal card wallet that prevents radio waves from emitting.

Do I Need to Buy RFID Metal Card Wallet?

If you have a contactless smart card or RFID debit/credit card, then you surely need one. However, you can still use it, even if you don’t have RFID enabled card. In any RFID metal card wallet, you can keep 4-6 bank cards including your license, etc.

When you keep your debit/credit cards in a regular leather wallet’s side pocket, they get easily damaged or tempered because they keep scratching against each other. However, should you use an RFID metal card wallet; you can easily protect your cards from any such damage.

It is your decision whether to buy an RFID metal card wallet or not. You can either spend a few bucks and buy peace of mind, or you can save a few and allow an RFID hacker to hack your contactless smart card.