Skimming is a form of credit card fraud that has become increasingly common in recent years. It occurs when a thief uses a small device to steal your credit card information, including your card number and expiration date, when you use it at a point-of-sale terminal or ATM. Fortunately, there are several steps you can take to protect yourself from skimming. In this blog post, we’ll explore 12 tips to keep your cards safe.
- Be cautious at ATMs: Skimmers are often installed on ATMs to steal card information. Before using an ATM, check for any suspicious-looking devices, such as cameras or small attachments on the card reader. If you see anything unusual, use a different ATM or report it to the bank.
- Use contactless payments: If your card offers contactless payment options, such as Apple Pay or Google Pay, consider using these instead of swiping your card. This method is more secure because it uses a token instead of your actual card information.
- Cover your PIN: When entering your PIN at an ATM or point-of-sale terminal, cover the keypad with your hand to prevent anyone from seeing it.
- Use chip-enabled cards: Chip-enabled cards are more secure than traditional magnetic stripe cards because they create a unique transaction code for each purchase, making it harder for fraudsters to replicate your card information.
- Check your account regularly: Monitor your bank and credit card accounts regularly to ensure there are no unauthorized transactions.
- Report any suspicious activity: If you notice any unauthorized transactions or suspicious activity on your account, report it to your bank or credit card company immediately.
- Use secure websites: When shopping online, only use secure websites that use encryption and have a valid SSL certificate.
- Don’t share your card information: Never share your card information with anyone, and be wary of emails or phone calls asking for your card details.
- Enable text or email alerts: Many banks and credit card companies offer text or email alerts for suspicious transactions. Enable these alerts to be notified of any unusual activity on your account.
- Use RFID blocking wallets: RFID blocking wallets are designed to prevent skimmers from reading the information on your credit cards. Consider using one to protect your cards when you’re out and about.
- Be wary of public Wi-Fi: Public Wi-Fi networks are often unsecured, making it easy for hackers to intercept your card information. Avoid using public Wi-Fi to make online purchases or check your bank account.
- Be aware of your surroundings: Finally, be aware of your surroundings when using your credit card. Skimmers may install cameras to capture your PIN or distract you while they steal your card information. Stay vigilant and protect your cards at all times.
In conclusion, skimming is a serious threat to the security of your credit and debit cards. By following these 12 tips, you can reduce the risk of skimming and keep your cards safe. Remember to always be cautious when using your cards, monitor your accounts regularly, and report any suspicious activity to your bank or credit card company immediately.