Australia's love of shopping online and the passage to an increasingly ineffective society have seen an explosion in fraud with credit cards.
Analysis by consumer comparison website finder.com.au found that fraud "non-present card" grew a surprising 76 percent in the 12 months until June 30, 2018, up to 1.8 million transactions dishonest
"It's a bigger increase than I expected," says Angus Kidman, editor in chief at finder.com.au.
"I do not know that people realize their prevalence. I think we know that this is a problem: we are talking about an attempted fraud with credit cards, but the volume of fraud is huge ".
The value of non-present crime rose 7.8 percent to 478 million dollars, and now accounts for 85 percent of all credit card fraud.
In general, Australians are victims when they enter their data in dodgy sites operated by scammers who try to trick people into thinking they are on a legitimate page.
In some cases, the data of the reputable operators are pirated and stolen.
"Often, they will do a small transaction to see if the card works and then buy a lot of physical goods to get them delivered as soon as possible," he said.
"These criminals work like a business: it's a very well-organized approach instead of getting individuals to go to fraud."
Banks use sophisticated systems to intercept fraudulent transactions and, in general, reimburse the amount paid.
"Although it is not impeccable, it is important to be vigilant," said Mr. Kidman.
Although banks give up the stolen amount, the fraud will be detected and acted faster, the better.
If you do not detect the criminal activity, it can be a headache to sort it when, and if you eventually discover it yourself.
"It's boring and tedious, but it's worth looking at your statements and transactions to see if there is anything else. The ideal habit is to be through your transactions."
Justine Davies of Canstar said that it is almost impossible to completely avoid being a victim of credit card fraud, but there are measures that consumers can take to minimize the risk.
A great deal is to have personal documents, including bank statements and any other bits and pieces that contain identification details.
"If you have documents that include personal data, be sure to do it or destroy them in a different way, adding them to the water – before throwing them in the tray," said Mrs. Davies.
When shopping online, just trust reputable stores and avoid websites that look easy or do not offer secure payment facilities.
Criminal unions regularly target ATMs, install fake panels that contain cameras and skimming devices that allow them to replicate your cards.
Card skimming and replication instances dropped 45 percent in the year until June 30, 2018, but they still happen.
Watch out for machines that look shy or have something that seems out of place. Mrs. Davies said that it is also worth covering the keyboard when entering your PIN.
"Statistics show that online hacking has overcome other forms of financial fraud," he said.
"Therefore, it may be a good idea to keep the virus and the security software up to date on your computers and mobile devices and try to avoid visiting or buying websites that have questionable security.
"And we do not have to do our best to avoid clicking on links in spam messages."