Give money to the card: what is it and what does it threaten. Bay on the map: reviews

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

On various forums, bulletin boards or social networks today you can see a lot of messages about the so-called bays of money on bank cards. Such publications may look something like this: "I will make a bay on the map, additional work, serious people are required, we will help pay off debts and loans," etc. Often, these ads promise fairly large rewards for performing seemingly simple actions. Many people may be interested in such offers, and only a few will remember that free cheese is only found in a mousetrap.

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

What is the money bay?

The term "bay" is slang and is mostly used on the World Wide Web. Its essence is that some persons offer a person to replenish his bank account or make a bay on a Sberbank card for a certain amount of money, and a lot of it. Often hundreds of thousands of rubles appear in such operations. Further, the person who received the bay must cash out this money and send it to the specified details, leaving himself a predetermined percentage of the total amount. The amount of remuneration is quite large - 20-50%! Agree, that kind of money is not lying on the road, especially if you are offered to fill in several hundred thousand rubles. It is worth noting that such tricks often come across precisely those people who have financial problems, whether it be debts or loans that need to be repaid urgently.

And here the question arises as to whether it is worth contacting and getting a deposit of money on a card that belongs to you? After all, the catch lies in the origin of this money: they are simply obtained by criminal means or completely stolen.

Where does the money come from

Today, countless different scammers are operating, who, in one way or another, are trying to take over other people's money. However, most often deceived users themselves transfer their funds to scammers under the pretext of buying something or invest in highly profitable projects in which they offer to replenish their account with a bank card. These projects simply turn out to be pyramid schemes like Sergey Mavrodi's MMM. Also, users can lose control over their electronic wallets - there are a lot of options. In most cases of Internet fraud, no proceedings take place, and deceivers do not need to withdraw money using some special schemes and use the services of outsiders for this.persons.

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

Scheme of the bay

In reality, such fraud is carried out as follows:

• First of all, criminals are trying to find a person through whom they could cash out dirty money. To do this, a mass mailing of letters to e-mail boxes can be made, most often a corresponding message is left on various forums and bulletin boards, for example, they write that an urgent bay is needed on the map and the like. The contact information is usually an email address.
• As soon as an interested person gets in touch with the scammers, they explain the main points to him, agree on the amount to be returned, often not talking about the origin of the money.
• The person is asked for a card number, if it is not there, then they offer to issue a new one for personal use at the bank. At the same time, the higher the level of the card, the greater the amount you can pour into it.
• After a while, funds will be credited to the card.
• A person goes to an ATM or a bank branch and cashes out the money received. From that very moment hebecomes an accomplice to criminals.
• As agreed, the person who received the bay sends a certain part of the money to the specified details, and takes the rest for himself.

Possible consequences of participation in the bay

A person who has assisted attackers in cashing out and laundering money obtained by criminal means, thereby becomes their accomplice. And it does not matter how much he returned to them and whether he returned at all. In the event that some hackers withdrew money from other people's accounts, the bank's security service can easily establish contact with the cardholder who agreed to the bay. Searching 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 be responsible for everything.

Getting involved in such cases, you can get a very real prison term. In the future, it may turn out that the laundered money was used to buy drugs, weapons, or commit a terrorist act, so you should once again consider whether you really need the bay on the map.

How to stay safe

Before you look for easy ways to make money, you should weigh the pros and cons. Do not trust the words of the first person you meet and listen to what they write on the forums about the bay on the map. Reviews may simply not be real, 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 moneyon the card, the bay should never be cashed out. You must immediately go to the bank and report that funds have been received on the card, the origin of which the owner has no idea. Let them figure out what's what. And it's best not to contact people offering bays on the map at all.

Plain scam

In fact, in the overwhelming majority of cases, everything turns out to be much simpler - no bays may occur, since swindlers themselves hunt for other people's money, and do not send their hard-earned money to everyone in a row. As you know, fraudulent schemes are not used anywhere, and it is not surprising that swindlers achieve the greatest success precisely in those areas in which you can play on the greed of people who are losing their heads in pursuit of easy money. Ads like "bay on the map, add. work" is just a bait for such people.

The illiteracy and incompetence of a potential victim also plays into the hands of attackers. To some extent, the Internet is a treasure trove for scammers, because here you can carry out any plan, for which there is only enough imagination. Here, scammers, processing a future victim, can refer to any guarantors or comments from other satisfied users who allegedly received the bay on the card. These reviews are often fictitious and left on behalf of non-existent people. You should not believe everything that is written on the Internet.

Let's take a look at a few common examples of bank card fraud.

Prepaid scam

Most often, under the pretext of putting money on the card, scammers try to get hold of other people's money. To do this, they promise to make a bay, but they say that insurance is needed, they offer a certain guarantor, supposedly being 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 a guarantor you can trust can be used. The story with the bay ends as soon as the swindlers receive the insurance premium. For such fraud, both bank cards and all kinds of electronic payment systems can be suitable.

Purse on a string

This is a classic money scam that scammers often used in the dashing 90s. Today's scammers have adapted it to the realities of our time and are quite successfully using it on the Internet.

No advance payment is required, and scammers really transfer money, for example, they make a bay on a Sberbank card. By prior arrangement, a person sends part of the funds to the person who filled it, after which the owner of this money appears and demands their return, while threatening to report to the police and the like. This affects many people, and in order to avoid problems, they reimburse the so-called owner for the funds allegedly stolen from him. Only after that comes the understanding that he was in cahoots with the pourers.

Conclusion

It's no secret that scammers have come up with an infinite number of different ways in which theytrying to get hold of the money of naive and gullible people. What else can you learn by studying people's comments about the bay on the map? The reviews left by them tell of many cases when scammers managed to get access directly to people's bank cards. Attackers try to force PIN and CVV codes of cards and other information that helps them to rob inattentive people.

It only remains to reiterate that in the search for easy money, you can only make more problems for yourself 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.