Como evitar que clonen tu tarjeta en el #BuenFin

Foto ESPECIAL

Redacción 

Si eres de los que utilizará su tarjeta de crédito este fin de semana largo para aprovechar las promociones y ofertas que ofrecerán diversos comercios en el evento conocido como El Buen Fin, es importante tener precaución para no ser víctima de clonación.

De acuerdo con la Comisión Nacional para la Protección y Defensa de Usuarios de Servicios Financieros (Condusef), entre las recomendaciones están no perder de vista la tarjeta al realizar pagos; en los restaurantes pedir que lleven la terminal a la mesa o bien pagar directo en caja; llevar un registro de las transacciones y revisar los estados de cuenta para detectar posibles anomalías con las cuentas.

Asimismo, sugiere evitar disponer de efectivo con el plástico, ya que resulta un financiamiento caro, y en caso de hacer uso de ello cerciorarse de que no haya ningún dispositivo adicional instalado en el lector de tarjetas.

El organismo recuerda que la clonación de tarjeta es un delito y consiste en robar la información contenida en el plástico a través de dispositivos electrónicos llamados “skimmers”, para posteriormente transferir la información a una nueva tarjeta vacía y así realizar operaciones fraudulentas.

En su portal señala que entre las ventajas que ofrece el “chip” es que este no puede clonarse como sucede con las tarjetas magnéticas.

Además, agrega, al tratarse de un microcircuito es posible almacenar información del cliente y vincularla al plástico con un número confidencial, el cual será necesario para realizar pagos por este medio, sustituyendo así a la firma convencional, reduciéndose la incidencia de fraudes.

La Condusef recuerda que de haber sido víctima de la clonación de tarjeta, es decir, que haya operaciones que no se reconocen el usuario tiene hasta 90 días, contados a partir de la fecha en que se realizó el cargo, para hacer la reclamación.

Refiere que el Banco de México (Banxico) obliga a las instituciones financieras a liberarte del pago y a devolver el monto de la transacción dentro de los cuatro días hábiles posterior al reclamo.

Ello, indica, no aplica si el banco comprueba que la compra se autorizó en algún comercio mediante el chip de la tarjeta o por Internet utilizando los sistemas de autentificación en línea que garantizan que el tarjetahabiente fue quien autorizó la operación, tal es el caso de Veri¬fied by Visa o Master-Card Secure Code.

Resalta que para hacer la reclamación se debe acudir a cualquier sucursal del banco en el área de Unidad Especializada de Atención a Clientes (UNE) y presentar ahí la solicitud de aclaración, y el banco deberá dar una respuesta dentro de un plazo que no exceda los 30 días hábiles, contados a partir de la fecha de recepción de la solicitud.

101 Comentarios

  1. It as in reality a nice and helpful piece of information. I am satisfied that you simply shared this particular useful information around. Please keep us informed like this. Thank anyone for sharing.

  2. Wow! This can be one particular of the most helpful blogs We ave ever arrive across on this subject. Basically Excellent. I am also a specialist in this topic so I can understand your hard work.

  3. Although web sites we backlink to below are considerably not related to ours, we really feel they may be really really worth a go via, so possess a look.

  4. Thanks for another wonderful post. Where else may just anyone get that type of info in such an ideal means of writing? I have a presentation next week, and I am on the look for such info.

  5. An impressive share! I have just forwarded this onto a friend who has been doing a
    little homework on this. And he in fact bought me lunch because I stumbled upon it for him…
    lol. So allow me to reword this…. Thanks for the meal!!
    But yeah, thanx for spending the time to talk about this subject
    here on your web site.

  6. Way cool! Some extremely valid points! I appreciate you writing this article plus the rest of the website is extremely good.

  7. Your style is so unique in comparison to other people I have read stuff from. Thanks for posting when you ave got the opportunity, Guess I will just book mark this web site.

  8. Today, while I was at work, my sister stole my iphone
    and tested to see if it can survive a twenty five foot drop, just so she can be
    a youtube sensation. My iPad is now destroyed and she has 83 views.
    I know this is totally off topic but I had to share it with someone!

  9. Usually I donaаАа’б‚Т€ТšаЂаŒаАа’б‚Т€ТžаБТžt read this kind of stuff, but this was genuinely fascinating!

  10. This is really interesting, You are a very skilled blogger. I ave joined your rss feed and look forward to seeking more of your excellent post. Also, I ave shared your website in my social networks!

  11. Ultimately, a problem that I am passionate about. I have looked for details of this caliber for the previous various hrs. Your internet site is tremendously appreciated.

  12. lungs, and cardio-vascular tissue. If this happens, weight loss will slow down and it will become more and more difficult to maintain a healthy weight.

  13. you are really a good webmaster. The site loading speed is amazing. It seems that you are doing any unique trick. Also, The contents are masterpiece. you have done a magnificent job on this topic!

  14. It was my choice, but I was forced to make it before I was ready. The day I signed the paperwork to go forward with the procedure to (hopefully) preserve my fertility, I was handed a stack of forms that I realized most people had weeks to consider—at home, in the safety of their own space, with their partner or family or friends by their side. Instead, I was being asked to answer huge questions in 10 minutes; six weeks of radiation treatment really couldn’t wait. Some questions were straightforward, but others were harder. They asked what I’d want to happen to my eggs if something were to happen to me. Donate them to science? Destroy them? Donate them to another woman? Any woman or someone specific?

  15. After setting things up with a wonderfully complicated and cryptic countdown, Taylor officially kicked off her complete 180 from Reputation with the vibrant “ME!” featuring Panic! At The Disco’s Brendon Urie. Complete with a stunning music video that got Brendon into a pastel floral suit (thank you, Taylor), the perfect collab is currently breaking the internet.

  16. It’а†s truly a great and useful piece of info. I am happy that you just shared this helpful information with us. Please stay us informed like this. Thank you for sharing.

  17. According to people familiar with the matter, as of February, Apple Music had more than 28 million users in the US, while Spotify had 26 million users. These data only include paying users and do not include subscribers to the trial products that the company calculates in its disclosure.

Dejar respuesta