Skim Scam - Card Skimming Reader to Clone Cards

How the Scam Works

• The Device: Thieves attach a fake card reader (a "skimmer") over the real one. When you insert or swipe your card, the skimmer copies the data from your card's magnetic stripe.
• Stealing Your PIN: They often pair the skimmer with a tiny, hidden camera to record you entering your PIN, or use a fake keypad overlay that captures your keystrokes.
• The Result: Criminals use the stolen data to clone your card or make unauthorized purchases.

How to Protect Yourself

• Use Tap-to-Pay: Contactless payments (tapping your card or phone) do not transmit your card's data through the reader, making them immune to physical skimmers.
• Inspect the Machine: Give the card reader a quick tug before using it. If the card slot, keypad, or entire machine feels loose, bulky, or looks slightly misaligned, do not use it.
• Cover Your Hand: Always cover your hand when typing your PIN at an ATM or gas pump to block any hidden cameras.
• Monitor Your Accounts: Turn on banking alerts so you are notified of every transaction.

What to Do If Scammed

If you notice unauthorized charges or suspect a machine has been tampered with:

1. Contact your bank or credit card company immediately to freeze or cancel your card.
2. File a report with local law enforcement.
3. Notify the business or bank where the skimmer was located so they can remove it.