If an email arrives on your cell phone or receives a call informing you that you are the lucky winner of a zero kilometer car or a trip, discard it completely and immediately, it is a scam with which cybercriminals seek to steal your Money and your personal information. This fraudulent model is not new, it exists since 2007 when the use of SMS was massified and where the first cases were reported; At present this cyberestafa mutated and moved to social networks.
Criminals have key data grabbers so that the person only enters the key on the keyboard and without having to say it aloud, with a special software the tones are read and the key is understood.
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Remember that banks never solicit personal or financial information from their customers through email and telephone calls. Note the poor wording and spelling that are prevalent in such messages.
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It is better that you quickly give a respectful, honest and direct answer: "I'm sorry but I do not deliver this kind of data through this medium".
The Smishing uses cell phone text messages as a decoy to perform phishing or vishing. The text contains a fake URL or phone number and requests immediate response. A variant uses the electronic messaging services: Whatsapp, chats, etc.
Some recommendations:
Never provide confidential, personal, commercial or financial information, requested via message or chat: Address, family, work or bank data, card or account numbers, keys.
Do not respond to text messages of promotions, offers or gifts "too good to be true", it does not matter that you know and trust the provider. Ignore text messages that prompt you to enter a page or call a phone number to confirm the activation of a service or delivery of an unsolicited product.
Never call phones provided in these messages. Check only the phones you have written down in your notebook.
Never click on any links that come in the text message, even if you consider it safe.
Keep in a notebook or file the email addresses, web pages and telephone numbers of the services you use: Banks, social networks, insurance, sales and purchasing portals, paypal, pay television, telephony, etc.