尽管人工智慧驱动的数位诈骗日渐猖獗，但实体邮寄伪造信用卡与侧录器等传统诈骗手段依然在全球造成严重损失。近期在欧洲多国出现了寄送伪造信用卡与信件的诈骗手法，歹徒诓称卡片即将过期，诱骗受害者扫描随附的 QR 码以启用新卡，进而将其导向假网站盗取网银帐密与存款。

除了实体信件外，传统的磁条侧录攻击同样持续肆虐。美国司法部近期起诉涉嫌针对政府 SNAP 食物券援助福利进行侧录的犯罪分子；由于全美许多州仍仰赖老旧且缺乏晶片防护的纯磁条 EBT 卡发放福利，使得这类侧录犯罪极易复制卡片并窃取现有及未来的资助金额。

专家指出，虽然发卡机构已逐步计划淘汰磁条卡，但在非银行 ATM 或小型商家端，歹徒仍常故意干扰晶片读取以强迫降级为磁条侧录。为了防范此类诈骗，使用者应尽量避免刷磁条卡、提高对可疑刷卡机的警觉，并对实体信件保持与对待可疑简讯或通话同等程度的怀疑。

Despite the rise of AI-powered digital fraud, archaic tactics like fake mail-delivered credit cards and skimmers continue to inflict massive financial harm globally. Recently across Europe, criminals have mailed bogus replacement cards claiming existing cards are expiring, tricking victims into scanning QR codes to activate them, which redirects them to phishing portals that steal banking credentials.

Physical mail scams are accompanied by a resurgence in magnetic stripe card skimming, particularly targeting vulnerable welfare programs. The US Department of Justice recently charged individuals for skimming SNAP benefits, which in many states still rely on legacy mag-stripe EBT cards lacking chip protection, allowing fraudsters to easily clone cards and drain current and future government assistance.

Although payment networks plan to phase out magnetic stripes over the coming years, risks remain high at non-bank ATMs and independent terminals where readers may be tampered with to force mag-stripe transactions. Consumers are advised to avoid swiping whenever possible, inspect card terminals for signs of tampering, and scrutinize unexpected postal mail with the same vigilance applied to digital phishing.