How to Avoid Card Skimmers and Protect Your Information

Card skimmers are illicit devices secretly attached to legitimate payment card readers with the intent of stealing payment card information, including card numbers and Personal Identification Numbers (PINs). These hidden tools can capture data from magnetic stripes and, in some cases, even from chip cards through “shimming” devices. This article equips individuals with strategies to safeguard their financial information from these deceptive threats.

Identifying Skimming Devices

Before using any card reader, a thorough physical inspection can reveal the presence of a skimming device. Look for anything unusual, such as loose components, misaligned graphics, or parts that seem bulkier than expected. Skimmers are designed to blend in, but they may have different colors or materials compared to the rest of the machine. For example, a card slot that protrudes excessively or a keypad that feels spongy or raised could indicate an overlay.

At ATMs, gas pumps, and point-of-sale (POS) terminals, check for signs of tampering like sticky residue, glue marks, or scratches around the card slot or keypad. Perform a “jiggle test” by gently tugging on the card reader or keypad; legitimate components should be firmly attached, while a skimmer might feel loose or move. Be vigilant for hidden cameras, which are strategically placed above the keypad to record PIN entries. At gas pumps, examine the security seal on the panel; if it is broken or shows a “void” message, avoid using that pump.

Adopting Secure Payment Practices

Beyond physical inspection, certain payment habits can significantly reduce the risk of falling victim to skimming. Opt for mobile payment options, such as Apple Pay or Google Pay, or use chip readers whenever possible. Mobile payments enhance security by generating a unique, encrypted token for each transaction, meaning your actual card number is not transmitted to the merchant. Chip cards also create a unique transaction code, making them more difficult to clone than magnetic stripe cards.

When at a gas station, consider paying inside with the attendant instead of at the pump. Skimmers are frequently found at outdoor gas pumps due to less supervision. For ATM withdrawals, choose machines located inside a bank branch or in well-lit, high-traffic areas, as these locations tend to be more secure and less prone to tampering. Always shield your PIN entry with your free hand to prevent hidden cameras or “shoulder surfing” from capturing your PIN.

Vigilance After Transactions

Even with careful preventative measures, maintaining vigilance after transactions is important for financial security. Regularly review your bank and credit card statements for any unfamiliar or unauthorized transactions. Many financial institutions allow you to set up transaction alerts, which send real-time notifications via email or text message for purchases, withdrawals, or other account activity. This immediate notification helps detect suspicious activity as soon as it occurs.

If you identify any suspicious activity, promptly report it to your bank or card issuer by calling the customer service number on the back of your card or their official website. Financial institutions typically offer zero liability protection, meaning you are not held responsible for unauthorized charges if you report them in a timely manner. They will investigate the fraudulent charges and guide you through the process of disputing them.