Using your credit card at public terminals is getting even more …

PhotoPhoto (c) Sanjagrujic – Getty ImagesMugging is so yesterday. Thieves are asking themselves why go to all that trouble of snatching someone’s purse or wallet and risking bodily harm when all they need to do is to steal all the juicy data they can get from someone’s credit card electronically.

A new report from financial tech company Credello says that credit card skimming is one of the five most pressing credit-related scams in 2023. All it involves is inserting your card or swiping it at inauthentic payment points such as ATM machines where consumers aren’t likely to detect them. 

But what if you ask “What about the chip in my credit card – doesn’t it protect me?” The answer is this: swiper snipers aren’t looking for data on the chip.

Instead, they’re looking for the data on the magnetic strip on the back of the card.

Where to skip the swipe 

What places pose the biggest dangers for credit card swiping? Well, non-bank ATMs (like you might see at a convenience store) are one. LaToya Irby at TheBalanceMoney counts mobile vendors, gas stations, self-checkout lines, and restaurants in her Top 5, too.

ConsumerAffairs set out to find how the worst of these problem areas work and here’s what we found.

Gas stations: “Gas stations are a haven for credit card thieves, as the pumps see a lot of customers and often receive minimal supervision. As a result, thieves have ample opportunity to install skimmers and sometimes tiny cameras that capture PIN numbers,” Scott M. Irby at GoBankingRates said. 

Believe it or not, gas station skimming is so off the hook that the Secret Service – yes, the ones that protect the POTUS – has gotten involved.  Less than a year ago, the bureau sent a number of Miami residents to the pen for laundering thousands of gift cards that were obtained using fraudulent debit and credit cards encoded with information stolen using gas station skimming devices. 

Mobile vendors: Do you buy food at food trucks or go to art shows or music festivals?

There are skimmers there, too. The problem is that you’re in such a hurry to get your taco, buy your cool-looking handcrafted vase, or that beer you want to toast your favorite band with that you’re not really paying attention to the transaction or taking the time to case out the vendor to determine how legit they are.

Restaurants: Credit card swiping at restaurants happens more than you might think. “Restaurants and bars are two of the toughest kinds of businesses for consumers to protect their credit card data, purely because of how they operate,” Phaedra Cook with the HoustonPress said.

“In those situations, it is common for the server to take the credit card to the card swipe. It’s almost always located somewhere else — often out of sight of the patron,” and that is the worst scenario for potential swiping.

The potential goes up exponentially when people are in a group and hand over their credit cards or one person gives theirs to start a tab.

Protecting yourself

John Brewer with the Harris County District Attorney’s office suggests that when you visit a restaurant, make sure your card stays in sight, and never let anyone leave your presence with the card if you can help it. 

“Skimming occurs most at restaurants since the waiter has to walk away with your card,” Brewer says. “If you are in a retail store and they say they have to go to another counter to run the card, follow them.” And if you really want to be safe, use cash. There’s no way that can be skimmed. Besides, the merchant will thank you since they won’t have to pay hefty swipe fees to the credit card company.

Irby added that another smart move is to take a look at the credit card readers the business is using. “If you’re at a location where other, identical credit card readers are nearby, glance at the other readers to see if they look the same as the one you’re using,” he said. “If there’s a noticeable difference between the readers on two otherwise identical ATMs or fuel pumps, one could have a skimmer attached.

Find somewhere else to use your card.”

Tags:

eflorist listed on couponmatrix.ukfullers listed on couponmatrix.ukgrind listed on couponmatrix.ukharrys listed on couponmatrix.ukhatton-adventure-world listed on couponmatrix.ukurban-outfitters listed on couponmatrix.uk
eflorist listed on couponmatrix.ukeFlorist is a sweetie shop of delights for fresh blooms and blossoms. Scrolling through the colourful delights on offer it will be very tempting to send a bunch or two to yourself, and why not, you deserve it! eFlorist have been in the flower business since 1947 and were formerly known as Teleflorist. Use an eFlorist discount code to shop the network of over 2000 local florists who handcraft bespoke bouquets to order and will even hand deliver them to your recipient of choice.
fullers listed on couponmatrix.ukOperating over 300 pubs in the hearty south of England, Fuller’s has long built a reputation as the place to be on a sunny summer Saturday. The perfect way to indulge in a weekend celebration with friends, customers can freely use some Fuller’s vouchers to kick back a round or three for far less. Round up your trip to your local Fuller’s establishment with a look overt their fresh selection of seafood and meat to ensure you leave with your thirst slaked and your hunger satisfied.
grind listed on couponmatrix.ukWhenever the day-to-day slog seems too arduous, there’s always a cup of Grind coffee to pick you up. As experts in delivering roastery quality beans every month, all a coffee connoisseur needs to indulge their habit for less is a Grind discount code. With an emphasis on making coffee a more environmentally friendly habit through sustainable packing and ethically-sourced beans, your conscience will always be clean and your coffee mug always full when you choose Grind.
harrys listed on couponmatrix.ukRather than faff with overly complex electrical razors, take things back to basics with Harry’s – the brand that believes shaving is synonymous with simplicity. Offering their own set of signature razors, blades, gels and skincare to match male morning routines of all varieties, be sure to employ a Harry’s discount code to guarantee a great deal on shaving supplies that go the distance. So whenever you next fancy a clean shave without the faff, think only of Harry’s.
hatton-adventure-world listed on couponmatrix.ukThere is so much to do at Hatton Adventure World! Originally a farm, Hatton has grown into a full blown day out of endless fun and activities. The year round centre makes it a major attraction of the Midlands, drawing in happy families time and again. From rides and slides, to meeting the animals, laser tag and strawberry or pumpkin picking, there is something for everyone in the family. With your Hatton Adventure World discount code, visitors big and small can get tickets for less and head off for a great day out.
urban-outfitters listed on couponmatrix.ukUrban Outfitters has everything you need for a retro look with a modern twist. Home of the unconventional, UO stocks men and women’s clothing and sportswear brands, as well as quirky gifts and Urban Outfitters home essentials - everything from bedding to record players. We’ll help you save money at Urban Outfitters by showcasing our favourite deals, letting you put that Urban Outfitters promo code to good use. Expect big end-of-season sales that stack with promo codes - watch this space!