Giving money to the card: what it is and what it threatens. Gulf to map: reviews

At various forums, bulletin boards or in social networks today you can see a lot of messages about the so-called banks of money for bank cards. Such publications may look something like this: "I will fill the bay with a card, additional work, serious people are needed, we will help pay off debts and credits," etc. Often in these announcements they promise rather large rewards for the execution, at first glance, of simple actions. Many people may be interested in such proposals, and only a few will remember that free cheese is only in a mousetrap.

So what's the catch? What is a bay on a map? Feedback on such operations will be provided below, but this issue requires more serious consideration.

What is the Gulf of Money?

The term "bay" is a slang term and is mostly distributed on the World Wide Web. The essence of it is that some persons offer a person to replenish his bank account or make a bay on the card of the Savings Bank for a certain amount of money, and considerable. Often in these operations appear hundreds of thousands of rubles. Then the person who received the gulf should cash this money and send them to the specified details, leaving a pre-agreed percentage of the total amount. The size of the fee is quite large - 20-50%! Agree, this money is not lying on the road, especially if you are offered to pour a few hundred thousand rubles. It is worth noting that such tricks often come across exactly those people who have financial problems, whether they are debts or loans that need to be repaid urgently.

And here comes the question of whether it is worth linking and getting a gulf of money on a card that belongs to you? After all, the catch is just the origin of this money: they are simply obtained by criminal means or completely stolen.

Where does the money come from?

Today, there are innumerable various scammers who, in one way or another, try to take over other people's money. However, most often deceived users themselves transfer their funds to scams under the pretext of buying something or investing in high-yielding projects in which they suggest replenishing the account with a bank card. These projects are simply financial pyramids like the MMM of Sergei Mavrodi. Also users can lose control over their electronic wallets - lots of options. In most cases of Internet fraud, no trials are taking place, and fraudsters are not required to withdraw money using any special schemes and use the services of unauthorized persons for this.

But some criminals work in large quantities and rob banks, in one way or another, gaining access to their database. Since all movements of funds in the banking system are fixed, these attackers are forced to use different schemes of money laundering. In this case, the trace does not lead to them, but to those people who receive funds - they are responsible, but real criminals go unpunished.

Bay scheme

In reality, such machinations are carried out as follows:

• To begin with, criminals are trying to find a person through which they could cash out dirty money. For this, mass mailing of emails to electronic boxes can be made, most often in various forums and message boards, a corresponding message is left, for example, they write that an urgent gulf is needed on the card and the like. Contact information is usually indicated by an e-mail address.
• As soon as an interested person gets in touch with scammers, they explain the main points, agree on the amount that will need to be returned, often without mentioning the origin of money.
• A person is asked the number of the card, if it is not available, then they offer to place a new one in the bank for personal use. At the same time, the higher the level of the card, the greater the amount you can pour on it.
• After a while, the funds are received on the card.
• The person goes to the ATM or to the bank branch and cashes the money. From that moment on, he becomes an accomplice to the criminals.
• As was agreed, the person who received the bay, sends a certain amount of money to the specified details, and picks up the rest.

Possible consequences of participation in the Gulf

A person who has provided help to criminals in cashing and laundering money received by criminal means, thereby becomes their accomplice. And it does not matter how much it returned to them and whether it returned at all. In the event that some hackers have withdrawn money from other people's accounts, the bank's security service can easily establish a connection with the cardholder who agrees to the bay. The search for final recipients is unlikely to yield any results. In this case, it is not difficult to guess who will become the scapegoat and will bear for all responsibility.

Getting involved in such cases, you can get a very real prison sentence. In the future, it may turn out that laundered money was used to buy drugs, weapons or commit a terrorist act, so it's worthwhile to think again if you really need a bay on the map.

How to protect yourself

Before you look for easy ways to make money, you should weigh the pros and cons. It is not necessary to trust the words of the first comer and listen to what is written on the forums about the bay on the map. Reviews can simply be unreal, so you can not rely on them. Also, do not forget the main rule - free cheese is only in a mousetrap.

If you still received money for the card, the bay in no case can not be cashed. Immediately need to go to the bank and report that the card received funds, the origin of which the owner has not the slightest idea. Let them understand what's what. And it's best not to mess with people offering bays to the map.

Banal fraud

In fact, in the vast majority of cases, everything turns out to be much easier - no bays may not occur, because scammers themselves hunt for other people's money, and do not send their blood to everyone in a row. As you know, fraudulent schemes where only not used, and it is not surprising that the greatest success is achieved by swindlers in those areas in which one can play on the greed of people who lose their heads in pursuit of easy money. Ads such as "bay on the map, add. Work "is just a bait for such people.

Illiteracy and incompetence of a potential victim also plays into the hands of intruders. To some extent, the Internet is a treasure trove for scammers, because here you can carry out any kind of fantasy. Here scammers, processing the future victim, can refer to any guarantors or comments of other satisfied users who allegedly received the bay on the card. These reviews are often fictitious and left on behalf of non-existent people. Do not believe everything that is written on the Internet.

Below are a few common examples of fraud related to bank cards.

Divorce for an advance payment

Most often, under the pretext of a bay on a map, scammers try to get hold of other people's money. For this, a person is promised to make a bay, but they say that insurance is necessary, they offer a certain guarantor, who is allegedly a reliable intermediary in such transactions. The bottom line is that you need to make a certain contribution, replenish your account with a bank card, for this you can use a guarantor that you can trust. The story with the gulf ends, as soon as the scammers receive an insurance premium. For such fraud can come up as a bank card, and all sorts of electronic payment systems.

Tricket purse

This is a classic scheme of divorce for money, which scammers often used in the dashing 90-ies. Today's scammers adapted it to the realities of modernity and quite successfully apply on the Internet.

No prepayment is necessary, and scammers do list money, for example, they make a bay on the Savings Bank card. By prior arrangement, a person sends a portion of the funds to the person who pours in, after which the owner of this money appears as if demanding their return, while threatening to report to the police and the like. On many people this works, and they, in order to avoid problems, compensate the so-called owner for allegedly stolen money from him. Only after comes the understanding that he was in cahoots with the fillers.

Conclusion

It's no secret that scammers invented an infinite number of different ways with which they try to take the money of naive and gullible people. What else can you learn by studying comments of people about the bay on the map? The reviews left by them, tell of a lot of cases when swindlers managed to get access directly to bank cards of people. Attackers dig up PIN and CVV card codes and other information that helps them to rob inattentive people.

It remains only to reiterate that in the search for easy money you can only make yourself even more problems and lose the last available funds. This statement is especially true in relation to social networks. Learn more information and most importantly - think with your head. This is the only way to protect yourself from attacks by intruders.