Money - Guarding Your Credit Card Against Skimming

Did you know that your credit card may already have been used by someone else without your knowledge? Skimming is one of the most common methods thieves use to steal credit card information, and it can happen in more places than you might expect. From ATMs to simply walking around with your card in your wallet, your financial information could be at risk. Let’s look at a few simple ways to protect yourself.

What Is Skimming?

Skimming is the illegal act of stealing credit card information using hidden devices or software. At ATMs, skimmers attach inconspicuous devices over the card slot to record information when you insert your card. Tiny cameras may also be installed to capture your PIN as you enter it. While ATMs are often targeted, skimming doesn’t require physical contact. Some thieves use devices that can read your card’s RFID chip from a short distance—meaning your card information could be accessed as you walk down the street.

How to Protect Yourself

1. Use an Anti-Skimming RFID Sleeve
   Many credit and debit cards come with RFID chips that can be read without physical contact. To keep this data safe, consider an anti-skimming RFID sheath. These sleeves or wallets are designed to block unauthorized RFID readers, so your card information stays secure while it's in your pocket, purse, or backpack.

2. Check ATMs Carefully
   Whenever you use an ATM, take a moment to inspect it. Give the green area where you slide your card a firm tug. Skimming devices are often placed here, and they may come loose with a little pressure. If anything moves or looks unusual, avoid using that ATM. Look for any unusual bulges or additions around the machine's card reader or keypad.

3. Shield the Keypad When Entering Your PIN
   Even if the ATM looks secure, always cover the keypad with your other hand while you enter your PIN. Tiny cameras, sometimes embedded in brochure holders or on ATM screens, can capture your PIN as you type. Shielding the keypad reduces this risk and can prevent unauthorized access.

Staying Vigilant

Skimming is unfortunately common, but with a few simple precautions, you can protect yourself. Be aware of your surroundings, especially when handling sensitive information at ATMs or card readers. Skimmers are clever, but a little extra vigilance can go a long way in keeping your information safe.