Vishing

Vishing is a fraudulent method by which you can be contacted by telephone by people pretending to be from the authorities (police, prosecutors, representatives of IT companies, banks or even Agricover Credit IFN representatives) and who request remote access to your computer under various invented pretexts. Their real purpose is to access your confidential data and steal your money.

How do you protect your data in case of a vishing attempt?

• DO NOT answer calls from outside the country, especially if you don't know people from those countries!
• DO NOT divulge any confidential data such as your Credit360 user and password, activation code, card number, CVV2 code or credit card PIN.
• DO NOT install apps and DO NOT access websites at the direction of people who contact you by phone.
• DO NOT assume that your contacts are trustworthy just because they know some information about you that is easy to find out from social media.

 The most common "scenarios" invented by scammers:

• Windfall - you have won a large sum of money, and to get hold of it you have to provide your confidential details.
• Computer virus - due to a virus on your computer, a fault has occurred in the system of the financing institution (NFI) and your details are needed to fix the problem.
• An NFI emergency - scammers will claim they need your information quickly, blaming it on bogus procedures.

In these situations, if you receive a message informing you that you have authorised a payment or confirming a transaction you have not made, please contact us as a matter of urgency ONLY on the telephone number on the back of your credit card!

Phising

Phishing is a fraudulent method of attempting to steal your confidential data, such as login details for Credit360 online banking, e-commerce applications or credit card information, using techniques to manipulate a person's or institution's identity.

Typically phishing consists of the attacker sending an email message or using instant messaging software, tricking the user into accessing a web address that contains a clone of the original website and stealing data.

Other examples of phishing cyber attacks:

• Gaining access to your computer and data by using malicious software. Agricover Credit NEVER asks for: providing your credit card number, activation codes or PIN code.
• Malicious persons may contact you under various pretexts, as representatives of a real organization, to ask for your personal information or documents, including: details of credit cards held, identification documents (ID, driver's license), login details to the Credit360 - online banking service, such as username and password.

The data thus obtained may be used for example for:

• commit crimes;
• take over your mobile phone services to intercept security codes and one-time passwords (OTP);
• accessing online services to make unauthorised transfers.

So avoid accessing links or attachments from unknown sources.
Check official websites before making any online transactions or payments.
Never respond to unsolicited emails, text messages (SMS) or phone calls from strangers asking for personal information without first verifying the sender.
Avoid submitting personal data and using it in erroneous ways. For example: the card is a payment instrument, not a cashing instrument. The 24-digit IBAN, not the 16-digit card code, is used to cash money.

If you receive a message informing you that you have authorised a payment or confirming a transaction you have not made, please contact us urgently only on the telephone number on the back of your credit card.

Report any unexpected connectivity problems with your mobile phone service (inability to make calls, send text messages, etc.) to your service provider to ensure you are not the victim of a fraudster trying to clone your SIM card.

Smishing

Smishing works similarly to phishing, the difference is in the means by which you receive the malicious link, i.e. via SMS (Short Message Service).

So smishing is carried out through SMS traps in which it is indicated that you have received a voicemail message and to play it you need to access the link in the SMS. To avoid falling victim to such a cyber attack, we recommend that you do not click on the link in the SMS content and delete the message from your phone.

Other examples of Smishing cyber attacks:

• Gaining access to your computer and data using malicious software. Agricover Credit NEVER asks you to: provide your credit card number, activation codes or PIN code.
•  Malicious persons may contact you under various pretexts, as representatives of a real organization, to ask for your personal information or documents, including: details of credit cards held, identification documents (ID, driver's license), login details to the Credit360 - online banking service, such as username and password.
   

The data thus obtained may be used for example for:

•  commit crimes;
•  take over your mobile phone services to intercept security codes and one-time passwords (OTP);
•  accessing online services to make unauthorised transfers.

So avoid accessing links or attachments from unknown sources.
Check official websites before making any online transactions or payments.
Never respond to unsolicited emails, text messages (SMS) or phone calls from strangers asking for personal information without first verifying the sender.
Avoid submitting personal data and using it in erroneous ways. For example: the card is a payment instrument, not a cashing instrument. The 24-digit IBAN, not the 16-digit card code, is used to cash money.

If you receive a message informing you that you have authorised a payment or confirming a transaction you have not made, please contact us urgently only on the telephone number on the back of your credit card.

Report any unexpected connectivity problems with your mobile phone service (inability to make calls, send text messages, etc.) to your service provider to ensure you are not the victim of a fraudster trying to clone your SIM card.