In 2008 in Italy were 25 thousand cases of fraud credit (+11% compared to 2007), for a total of more than 145 million euros (+29%). Last CRIF observatory on the phenomenon confirms the rising trend in terms of average (+16.5% compared to 2007, when he was about 5 thousand euro). The form of the loan financing most affected is finalized (over 74% of cases) but if you look at the type of assets subject to fraud, there is a shift to the automotive and motorcycles, while in previous years was hit in the head ' consumer electronics. Even the furniture sector recorded a significant growth of credit fraud, which increased from 7% in 2007 to 11% of the total in 2008. Signal that the assets of fraudsters aiming at greater amounts.
But they are also increasing fraud on financial products that in previous years had a lower risk. It grows by 47% the weight percentage of fraud related to the issuance of credit card and identity theft by installments of 11, 1% higher than that of personal loans (from 5.1% to 5.6%). Just as credit fraud related to the sale of the fifth, the unwitting accomplice growth that has taken this instrument by the opening of loans towards pensioners and employees of private firms.
When it was possible to identify in the complaint alleged charge of fraud, the Center shows that in 7% of cases the alleged perpetrator was the employer, previous or ongoing, and in some cases self-styled such. Operators in any case continue to represent nearly a third of alleged offenders (31%), followed by relatives of victims (27%).
Albeit lower, fraud also affects credit cards. With respect to fraud on credit cards, there is no difference between the two major Visa and MasterCard. As compared to the rest of Europe say that the data in Italy the proportion of fraud on credit card transactions are broadly consistent with that of the EU average, the region that you did it in a substantial similarity to the new technological frontier represented by the chip.
In 2009, the experts, also because of the ongoing crisis which obviously magnifies this type of phenomena, they expect the average fraud amounts would be higher and more sophisticated techniques, such as the joint use of financial instruments and payment cross -market for quick recycling. Also why it is vital that consumers are increasingly aware and informed about the risks of fraud and how to defend themselves.
Beyond. "After being approved by the Senate, the House and is discussing a bill that if it were to go - says Federico Lucchetti, head of UCAMP (central office fraud on the means of payment) of the Ministry of Economy - is at the forefront at European level in creating a comprehensive system of prevention of the phenomenon. "
Pending what it can do in the meantime a holder of a credit card? CartaSi arrangements which offers useful tools to guard against fraud such as SMS services. By subscribing to the service for free, every time that our paper is used in real time you receive a text message that warns you of the amount spent and the year in which the purchase was made. Without recognition of the cost, simply call the toll 800.15.16.16 to stop spending immediately, thus avoiding the charge on your statement. The service is totally free. Then there are the anti-fraud protection systems Verified by Visa and MasterCard SecureCode. This protection (3D Secure) as well as being safe and free and easy to use: just choose a password which, combined with the credit card is used whenever you want to make a payment online. And in the case of fraud on the Internet? It should behave as you would in case of fraud in the real world: report to the competent authorities, contact the company or the bank that issued the card to request the lock. Any disallowed costs may always be challenged.
But they are also increasing fraud on financial products that in previous years had a lower risk. It grows by 47% the weight percentage of fraud related to the issuance of credit card and identity theft by installments of 11, 1% higher than that of personal loans (from 5.1% to 5.6%). Just as credit fraud related to the sale of the fifth, the unwitting accomplice growth that has taken this instrument by the opening of loans towards pensioners and employees of private firms.
When it was possible to identify in the complaint alleged charge of fraud, the Center shows that in 7% of cases the alleged perpetrator was the employer, previous or ongoing, and in some cases self-styled such. Operators in any case continue to represent nearly a third of alleged offenders (31%), followed by relatives of victims (27%).
Albeit lower, fraud also affects credit cards. With respect to fraud on credit cards, there is no difference between the two major Visa and MasterCard. As compared to the rest of Europe say that the data in Italy the proportion of fraud on credit card transactions are broadly consistent with that of the EU average, the region that you did it in a substantial similarity to the new technological frontier represented by the chip.
In 2009, the experts, also because of the ongoing crisis which obviously magnifies this type of phenomena, they expect the average fraud amounts would be higher and more sophisticated techniques, such as the joint use of financial instruments and payment cross -market for quick recycling. Also why it is vital that consumers are increasingly aware and informed about the risks of fraud and how to defend themselves.
Beyond. "After being approved by the Senate, the House and is discussing a bill that if it were to go - says Federico Lucchetti, head of UCAMP (central office fraud on the means of payment) of the Ministry of Economy - is at the forefront at European level in creating a comprehensive system of prevention of the phenomenon. "
Pending what it can do in the meantime a holder of a credit card? CartaSi arrangements which offers useful tools to guard against fraud such as SMS services. By subscribing to the service for free, every time that our paper is used in real time you receive a text message that warns you of the amount spent and the year in which the purchase was made. Without recognition of the cost, simply call the toll 800.15.16.16 to stop spending immediately, thus avoiding the charge on your statement. The service is totally free. Then there are the anti-fraud protection systems Verified by Visa and MasterCard SecureCode. This protection (3D Secure) as well as being safe and free and easy to use: just choose a password which, combined with the credit card is used whenever you want to make a payment online. And in the case of fraud on the Internet? It should behave as you would in case of fraud in the real world: report to the competent authorities, contact the company or the bank that issued the card to request the lock. Any disallowed costs may always be challenged.
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