buy cloned credit cards online A popular method that thieves use is installing hidden scanners onto legitimate card-reading devices such as gas station pumps, automated teller machines (ATMs), or the point-of-sale (POS) machines common in most retail stores.
What makes these attacks particularly insidious is that they do not require the cooperation of the personnel working at those stores. Instead, those orchestrating the attack can simply collect data on an ongoing basis from the hidden scanners, without the customers, employees, or business owners being aware of the source of the breach.
How to Protect Yourself Against Credit Card Cloning
You can defend against credit card cloning by taking the following precautions:
Inspect any card reader you use
Take a moment to inspect the card reader. If something looks suspicious, don’t use it. For example, some skimming devices can be bulky.
Monitor your credit card account
Monitor your accounts for fraud. Check your balance and recent transactions online often, even daily.
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Sign up for alerts with your bank or card issuer. Your bank will then contact you by email or text message when certain activity occurs on your accounts, such as a withdrawal or charge exceeding an amount you specify.
Stick to bank ATMs
Only use ATMs that are associated with a bank. Avoid potential “skimming” locations such as gas stations and deli kiosks.
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Always use a chip reader rather than swiping your card. While cloning is still possible with a chip card, it is less likely to occur.
Opt for contactless payment
If your credit or debit cards have a contactless payment feature, use it instead of inserting your card into a terminal.
What to Do When Your Credit Card Is Cloned
If you believe your card has been cloned, your credit card company or bank should be the first call you make. The more quickly you cancel the card, the less time thieves have to rack up charges.
The good news is that consumers are not typically responsible for the amounts lost in cases of credit card fraud. The Fair Credit Billing Act limits the liability to $50 if the theft is reported.
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