Warning Signs 1. Unknown merchants : Companies you don't recognize 2. Small test charges : ₹1 50 charges before big fraud 3. Foreign transactions : Unexpected international charges 4. Duplicate charges : Same amount, same merchant 5. Round numbers : Exactly ₹1000, ₹5000 (often fraud)
What to Do 1. Block card immediately 2. Report to bank within 3 days 3. File FIR for large amounts 4. Document everything
Prevention Enable transaction alerts Use virtual cards for online Never share OTP Review statements weekly