{"id":3925,"date":"2023-12-22T19:00:16","date_gmt":"2023-12-23T03:00:16","guid":{"rendered":"https:\/\/www.pcfcu.org\/blog\/financial-fitness-protecting-yourself-from-credit-card-fraud\/"},"modified":"2025-07-03T18:32:24","modified_gmt":"2025-07-04T01:32:24","slug":"aptitud-financiera-protejase-del-fraude-con-tarjetas-de-credito","status":"publish","type":"post","link":"https:\/\/www.pcfcu.org\/es\/blog\/aptitud-financiera-protejase-del-fraude-con-tarjetas-de-credito\/","title":{"rendered":"Aptitud financiera: c\u00f3mo protegerse del fraude con tarjetas de cr\u00e9dito"},"content":{"rendered":"

En el mundo moderno, muchas personas tienen una tarjeta de cr\u00e9dito. Se informa que 7 de cada 10 estadounidenses tienen al menos una tarjeta de cr\u00e9dito y hay m\u00e1s de 364 millones de cuentas de tarjetas de cr\u00e9dito abiertas en EE. UU.<\/p>\n

El alcance y la popularidad de las tarjetas de cr\u00e9dito las han convertido en un objetivo importante para los estafadores. Muchos esquemas de fraude se centran en las tarjetas de cr\u00e9dito, como el skimming (copia electr\u00f3nica de los datos de la tarjeta y duplicaci\u00f3n de la misma), el robo de tarjetas, el robo de identidad, el phishing, el vishing (phishing de voz), el fraude de tarjeta no presente, etc.<\/p>\n

Aqu\u00ed hay algunas formas en las que puede protegerse de estas estafas con tarjetas de cr\u00e9dito:<\/p>\n

Tipos de fraudes con tarjetas de cr\u00e9dito<\/strong><\/p>\n

Como se mencion\u00f3 anteriormente, existen algunos fraudes con tarjetas de cr\u00e9dito que debe conocer. El m\u00e1s com\u00fan de todos es el robo de tarjetas. Al solicitar una nueva tarjeta al vencimiento de la que ya tiene, alguien podr\u00eda robarla de su buz\u00f3n. De igual manera, si pierde su tarjeta, una persona sin escr\u00fapulos podr\u00eda hacerse con ella y aprovecharse de su cr\u00e9dito.<\/p>\n

Identificaci\u00f3n de la tarjeta<\/strong>\u00a0El robo ocurre cuando el estafador conoce los detalles de su tarjeta e intenta utilizarlos para cargarla.<\/p>\n

Suplantaci\u00f3n de identidad (phishing)<\/strong>\u00a0Es un esquema mediante el cual el estafador obtiene los datos de tarjetas de cr\u00e9dito de clientes desprevenidos. Se trata de un sistema en l\u00ednea donde el estafador, haci\u00e9ndose pasar por una entidad leg\u00edtima, obtiene el n\u00famero de tarjeta de cr\u00e9dito, la fecha de vencimiento y el c\u00f3digo CVV.<\/p>\n

Vishing<\/strong>\u00a0(phishing de voz) es similar, pero aqu\u00ed alguien que se hace pasar por el banco o la compa\u00f1\u00eda de la tarjeta de cr\u00e9dito te llama para obtener m\u00e1s informaci\u00f3n sobre tu tarjeta.<\/p>\n

Tarjeta no presente (CNP)<\/strong>\u00a0El fraude ocurre cuando el delincuente usa su n\u00famero CVV para simular tener su tarjeta. Los comercios usan el n\u00famero CVV al realizar compras en l\u00ednea para verificar que usted posee su tarjeta. Esta verificaci\u00f3n no es necesaria para las compras en tiendas f\u00edsicas.<\/p>\n

Pero si el estafador de alguna manera descubre el n\u00famero de su tarjeta de cr\u00e9dito y la fecha de vencimiento, puede intentar encontrar el n\u00famero CVV de tres d\u00edgitos probando varias combinaciones de n\u00fameros; es posible que tenga que probar 1.000 combinaciones diferentes antes de tener \u00e9xito.<\/p>\n

clonaci\u00f3n de tarjetas de cr\u00e9dito<\/strong>\u00a0Es un esquema de fraude en el que se utiliza una m\u00e1quina TPV modificada para capturar los datos de su tarjeta. Estos datos se utilizan para crear una tarjeta duplicada que permite realizar cargos a su tarjeta. El estafador que intenta retirar dinero con su tarjeta puede incluso instalar una c\u00e1mara esp\u00eda en un cajero autom\u00e1tico para capturar su PIN.<\/p>\n

C\u00f3mo protegerse de los esquemas de fraude<\/strong><\/p>\n

No tema a estas estafas. Si tiene cuidado, no le pasar\u00e1 nada a su cr\u00e9dito. Hay algunas precauciones que puede tomar para protegerse de los estafadores. Estas son algunas.<\/p>\n

1. Nunca compartas los datos de tu tarjeta de cr\u00e9dito<\/strong><\/p>\n

Los agentes genuinos de bancos o compa\u00f1\u00edas de tarjetas de cr\u00e9dito nunca le llamar\u00e1n para pedirle el n\u00famero de tarjeta de cr\u00e9dito, la fecha de vencimiento ni el c\u00f3digo CVV como parte de ning\u00fan proceso de verificaci\u00f3n. Debe conocer bien esta informaci\u00f3n y nunca compartirla con nadie, ni en l\u00ednea ni fuera de l\u00ednea.<\/p>\n

Aseg\u00farate siempre de escribir la URL de tu banco en la barra de direcciones de tu navegador, en lugar de hacer clic en el enlace de un correo electr\u00f3nico que recibas. Los estafadores de phishing suelen crear un sitio web similar al de tu banco para enga\u00f1arte y que proporciones los datos de tu tarjeta de cr\u00e9dito.<\/p>\n

Debes revisar la barra de direcciones y asegurarte de que el navegador verifique el certificado de seguridad del sitio. En Chrome, deber\u00eda aparecer "Seguro" con un candado verde en la barra de direcciones. Si no verificas la autenticidad del sitio, no introduzcas los datos de tu tarjeta de cr\u00e9dito.<\/p>\n

2. Revise constantemente su cuenta<\/strong><\/p>\n

En lugar de revisar su estado de cuenta mensual para detectar cualquier anomal\u00eda, deber\u00eda revisar su tarjeta de cr\u00e9dito en l\u00ednea una vez por semana y asegurarse de que no haya transacciones inusuales. Los cargos peque\u00f1os tampoco deber\u00edan pasar desapercibidos. Los cargos peque\u00f1os en su cuenta podr\u00edan indicar que alguien est\u00e1 intentando verificar su n\u00famero CVV. Est\u00e9 atento e informe a su banco sobre cualquier cargo inusual que encuentre.<\/p>\n

3. Nunca pierdas de vista tu tarjeta<\/strong><\/p>\n

Al entregar su tarjeta para pagar, aseg\u00farese de que est\u00e9 a la vista. No le d\u00e9 su PIN a nadie; insista en introducirlo usted mismo en el TPV. Puede resultarle dif\u00edcil comprobar si el dispositivo TPV utilizado por el comerciante es aut\u00e9ntico o si puede robar su tarjeta. Si sospecha que ocurre algo inusual, devuelva la tarjeta.<\/p>\n

4. Revise su informe crediticio<\/strong><\/p>\n

Tiene derecho a recibir un informe crediticio gratuito cada a\u00f1o de Equifax, TransUnion y Experian a trav\u00e9s de AnnualCreditReport.com. Puede usarlo para verificar si alguien m\u00e1s ha utilizado su identidad para realizar transacciones.<\/p>\n

El informe crediticio le proporcionar\u00e1 evidencia detallada de cualquier actividad fraudulenta en su nombre. Para mayor protecci\u00f3n, puede activar una alerta de fraude con su agencia de cr\u00e9dito para que los bancos o acreedores est\u00e9n informados cada vez que se presente una solicitud de cr\u00e9dito en su nombre. Debe activar la alerta de fraude solo con una de las agencias; las otras dos recibir\u00e1n notificaciones autom\u00e1ticas.<\/p>\n

5. Comprueba d\u00f3nde pasas tu tarjeta<\/strong><\/p>\n

Existen muchos m\u00e9todos de clonaci\u00f3n de tarjetas para robar la informaci\u00f3n de su tarjeta; algunos instalan un dispositivo de clonaci\u00f3n discretamente en el cajero autom\u00e1tico. Las gasolineras, los grandes almacenes, etc., tambi\u00e9n pueden tener terminales TPV comprometidos con el dispositivo instalado.<\/p>\n

Por lo general, el skimmer de una m\u00e1quina TPV se puede detectar si se observa con atenci\u00f3n si hay alguna pieza saliente inusual. Tambi\u00e9n hay videos de YouTube que pueden ayudarle a identificar un skimmer en cualquier TPV.<\/p>\n

Se podr\u00eda decir que vale la pena ser paranoico en el mundo actual, lleno de estafadores y ladrones. En el caso de las tarjetas de cr\u00e9dito, el principal problema es su prevalencia. Casi el 721% de las personas las tienen, pero solo una fracci\u00f3n comprende la tecnolog\u00eda y sus vulnerabilidades. Si eres m\u00e1s cuidadoso con tu tarjeta de cr\u00e9dito, puedes evitar estafas f\u00e1cilmente.<\/p>\n

\"Darrell
Darrell McVea
Educador financiero comunitario
800.426.1601 x3184
dmcvea@pcfcu.org<\/a>
pcfcu.balancepro.org<\/a><\/figcaption><\/figure>","protected":false},"excerpt":{"rendered":"

En el mundo moderno, muchas personas tienen una tarjeta de cr\u00e9dito. Se dice que 7 de cada 10 estadounidenses tienen al menos una... Leer m\u00e1s<\/a><\/p>","protected":false},"author":10,"featured_media":3913,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[23],"class_list":["post-3925","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-fitness"],"acf":[],"yoast_head":"\nFinancial Fitness: Protecting Yourself From Credit Card Fraud - Peninsula CU<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pcfcu.org\/es\/blog\/aptitud-financiera-protejase-del-fraude-con-tarjetas-de-credito\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Financial Fitness: Protecting Yourself From Credit Card Fraud - Peninsula CU\" \/>\n<meta property=\"og:description\" content=\"In the modern world, many people hold a credit card. 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