Online Threat Alerts (OTA) - Alerting you to scams and frauds.

Skim Scam - Card Skimming Reader to Clone Cards
Skim Scam - Card Skimming Reader to Clone Cards

A card skimming scam is a type of fraud where criminals install hidden electronic devices on legitimate card readers (like ATMs, gas pumps, or POS terminals) to steal and clone your credit or debit card information.

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.
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