Republic of the Philippines
National Police Commission
Camp BGen Rafael T Crame, Quezon City
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ACG-CYBER SECURITY BULLETIN NR 170: Be Wary of Credit Card Fraud

Reference Number: ACG-CSB 080919170

         The following information was obtained from different cyber security sources for notification to all parties concerned pursuant to the mandate of the Philippine National Police Anti-Cybercrime Group (PNP ACG) and classified as “Restricted” pursuant to the PNP Regulation 200-012 on Document Security and Impact Rating as high based on PNP Information Communication Technology (ICT) Security Manual s.2010-01 p. 22 and p.129.


          Nowadays, every individual is using the Credit Card for its transaction as quick and easy to pay for things in shops or online, balance transfers and taking out cash from an ATM. However, credit card information can be stolen without the victim’s knowledge. Unfortunately, most victims of this type of credit card theft do not find out their credit card details have been stolen until after the credit card has already been used. Often, fraudulent credit card charges are the first sign that credit card information has been stolen.


          Credit card fraud is when the consumers give their credit card number to unfamiliar individuals, when cards are lost or stolen, when mail is diverted from the intended recipient and taken by criminals, or when employees of a business copy the card or card numbers of a cardholder.


          It is a wide-ranging term for theft and fraud committed using or involving a payment card, such as a credit card or debit card, as a fraudulent source of funds in a transaction. The purpose may be to obtain goods without paying, or to obtain unauthorized funds from an account. Credit card fraud is also an adjunct to identity theft. Criminals can use the card by forging the victim’s name, or order goods and services by phone or on the internet.


          Obviously, the first thing that needs to happen for credit card fraud to take place is someone else getting the credit card number. There are ways to accomplish this, and they range from the very basic, to the more technologically complex.


         A very popular way that scammers try to obtain credit card information in the Philippines is public networks. If an individual connects their phone or laptop to such a network in, for example, a hotel or a restaurant, be very careful with entering personal information. Understanding how payment cards work is the first step towards protecting yourself from fraud and to actually enjoy the convenience of electronic payments.

          In many instances, thieves do not steal the credit card information directly from his/her victim. Instead, they get it somewhere else in the credit card processing chain thru hacking into other businesses, skimming, tricking his/her targets, installing malware or viruses on a computer, tablets or smartphones.


        If a thief gets access of a stolen credit card information, they can profit from it in a few different ways by using it to make online purchases, create cloned credit cards and even sell it.


        Using credit card at all, anywhere will make the credit card information at risk. Still, there are number of things to keep the credit card information safe. That includes using strong passwords, being cautious on where to use credit card, always using secure websites and avoid storing credit card details in the web browser.


       Credit card holders must be extra careful in handing out personal information this would disallow the attacker to compromise their respective account.



 The public are advised to follow these tips in order to prevent being victimized of credit card fraud, to wit:

  • Immediately contact the credit card company;
  • Treat your credit cards and personal information like cash;
  • Lock down, not write down your PIN and passwords;
  • Do not give personal and financial information requested through email;
  • If they are sending phishing emails, do not bite;
  • Open credit card bills promptly and check your transactions;
  • Avoid doing business with unfamiliar online vendors; and
  • Be wary of voice phishing

For additional information, please refer to the following websites:



            Please contact PMAJ ANGELICA STARLIGHT L. RIVERA, Asst. Chief, ARMD thru e-mail address This email address is being protected from spambots. You need JavaScript enabled to view it. or contact us on telephone number (632) 7230401 local 3562 for any inquiries related to this CYBER SECURITY BULLETIN.