Key TakeAways
- Avoid disclosing EMI card details/Mobile No./PIN/OTP/ID Proof No./ Passwords etc.
- Always double check every offer at www.bajajfinserv.in
- Find out what to do if you’ve been duped?
"Congratulations! You have received a gift card worth Rs. 10,000! Click on this link to claim it now!"
If this sounds familiar, then you probably know what we are talking about - gift card scams. There are myriad scams that ask people to make payments via email, text, or phone for items or services such as taxes, vehicles, utility bills as well as debt collection.
Fraudsters usually employ several methods to conduct scams which also includes requesting gift cards, claiming to be from popular and well-to-do brands for payment. Hence, be it your EMI card or other super card, it is very important to ensure that you are aware of such scams to prevent misuse of your cards and hard-earned cash.
How does this work? You may ask. Read on!
Voucher gift card scams usually begin with the fraudster hosting a website on Google or Bing (for example - freecoupons.com). Soon after, these fraudsters ask their potential victims to pay a certain sum of money to claim a voucher worth Rs. 10,000. Once you click on the link, the first thing the website will ask you for is your card credentials. Once you enter these details, the fraudster will immediately capture them and for all we know, they may even shop through it. Once the card is used by these fraudsters, the victim will receive the OTP of these transactions and then enter it on the same website. And because the website is under the fraudster's control, they will be able to read everything you enter on the site.
How does one stay protected?
- You must understand that Bajaj Finance is NOT into gifting cards. And as for the users’ “Voucher Rewards”, these can be redeemed via the Experia portal only. You must make it a point to not share your personal information on any website at all.
- Ensure that you do not provide the details on the back of the gift card or codes received via email as promotional offers to someone that you do not know or trust. Because once the fraudster receives the promotional code, the funds on the card will most likely be spent even before you can contact the gift-card company.
- You must also make sure that you do not share your Bajaj Finance EMI card credentials, your RBL Supercard PIN, or your passwords with anybody at all
If you believe you have been defrauded, you must take the following steps:
- If you believe that you have been exposed to a scam, make it a point to contact us or connect with a member of our customer service team at the earliest on the Bajaj Finance customer portal https://customer-login.bajajfinserv.in/. Please note, we require that you sign-in to your Bajaj Finance Experia app for us to best assist you
- Change your settings to ensure that your login ID/username and password do not get automatically filled in. You must follow this on every device that you use - be it a public system or your own laptop
- Get a pop-up window blocker and make it a point to change your passwords from time to time and stay away from fake coupons . In addition to this, also ensure that you scan your device for viruses regularly
From credit card frauds to gift card frauds, scammers are everywhere, striving hard to dupe you. In such a world, it is our responsibility to keep our data safe and not fall prey to those enticing coupons on gift card websites!
CAUTION: Stay vigilant and keep your data safe to avoid falling into the trap of enticing offers/coupons on gift card websites!
