Credit card scams can target any bank, and even digital institutions like Nubank are affected by cybercriminals. Phishing, a scam that consists of messaging malicious links posing as reputable companies, the main form of bank data theft. There are some simple tips to avoid falling into phishing, like not clicking on suspicious addresses.
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But Nubank customers can also follow some extra guidelines to protect their in-app account for Android and iPhone (iOS) phones. The finance company suggests some measures for the protection of users, such as deactivating purchases by approach and taking care to provide bank data only through the official app. Check out the following list of six important Nubank tips to protect yourself from credit card scams.
Nubank customers can use alternatives to avoid falling for credit card scams Photo: Rodrigo Fernandes / TechTudo
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1. Lock the mobile application
Since Nubank works exclusively digitally, I need to keep my cell phone safe. In case of loss or theft of the smartphone, it is possible to block the app from the computer on the Nubank website. For this, the customer must use a feature that allows disconnecting the account from all logged devices, the app and also the website.
Step 1. Enter the Nubank website and select the Login option;
The Nubank user can block the app through the website Photo: Reproduo / Emanuel Reis
Step 2. After entering CPF and password, press I'm out of cell;
Understand how to block your Nubank app through the website Photo: Reproduo / Emanuel Reis
Step 3. Check the option Disconnect all to disable the app account on the mobile phone.
There is the option to disconnect all your Nubank accounts through the website Photo: Reproduo / Emanuel Reis
2. Block payment by approaching Nubank
Nubank allows you to make payment by approximation thanks to NFC technology. It is common for scammers to approach card machines with cell phones or cards enabled to charge amounts of up to R $ 50, since the payment method does not require any type of password or validation to be carried out.
This blow can be applied in places with crowds of people, without the victim noticing. To block Nubank's NFC, just go to Configure Card and disable the Approximate Purchases key.
There is a possibility to disable "Approximate purchases" in your Nubank app Photo: Reproduo / Emanuel Reis
3. Differentiate card with adhesive
The exchange of similar-looking credit cards is another modality exploited by criminals. At Carnival 2020, Nubank launched the #FantasieSeuCarto campaign, which consists of pasting a sticker on your personal card to differentiate you from others.
This strategy can be useful also at other times in life, but you need to take some precautions such as: do not stick anything on top of the chip; do not use embossed stickers or tapes; do not remove them afterwards with cleaning products; and be careful with the water.
In addition to making the Nubank card more fun, placing a sticker is a way to protect it from exchanges Photo: Divulgao / Nubank
4. Never enter Nubank data outside the official app
The phishing scam consists of fake promotions via email with urgent messages, such as: your card has been canceled, exclusive promotion, we found a problem with your registration and the like. The best thing to do in case of messages like ignoring them and not responding. Nubank requires data only through the official app, which can only be downloaded from the App Store or Google Play Store, and only communicates with the customer through official social media accounts.
Nubank scams usually imitate official page Photo: Reproduo / TechTudo
5. Check the sender's address
Scammers' e-mails try to pass as much as possible through the company, but they do not have the address @ nubank.com.br, which is the official of the digital bank. Thus, one should be wary of any information requested by email, carefully observing what is requested in the text and the sender who sent it. If you receive something like this, it is recommended to contact Nubank through the service channels provided by the company on the website.
In cases of phishing, the domain does not match the one used in the display name Foto: Reproduo / Gabriel Ribeiro
6. Some signs to be suspicious in the message
Phishing messages seek to seduce the customer into making him fall for a scam. It is possible to pay attention to some suspicious points, such as their presence in emails, chat and social media feeds, instead of appearing on official and proven channels.
Proposals like increasing your limit, even with a dirty name, are appealing and attract attention. It is worth mentioning that Nubank does not allow loans to those on the client, does not sell cards, does not release them without analysis, nor does it make them available in any way other than via user invitations within the app.
How to get an invitation from Nubank? Find out in the TechTudo forum.
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