What to do if a card is skimmed?

What to do if a Card is Skimmed

Card skimming is a form of fraud that involves capturing the data from a payment card using a device known as a skimmer. This device is typically installed on an ATM or point-of-sale terminal and reads the card’s information as it is inserted. The stolen data can then be used to create counterfeit cards or make unauthorized purchases online.

If you suspect your card has been skimmed, it is important to act quickly to minimize the potential for fraud. Here are the steps you should take:

1. Request the closure or lockdown of your card. Contact your bank or credit union immediately and ask them to close or lockdown your compromised card. This will prevent it from being used for any further transactions.
2. Get a new card issued. Your bank or credit union will issue you a new card with a new account number and security features. Be sure to destroy your old card once you receive the new one.
3. Document the skimming device. If you are still at the scene where your card was skimmed, take a photo of the skimming device if possible. This will help the authorities investigate the incident.
4. Report the incident to staff. If you are at an ATM or point-of-sale terminal, report the skimming device to staff. They can remove the device and help prevent others from being victimized.
5. Stay alert for suspicious individuals or vehicles. Be aware of your surroundings and report any suspicious individuals or vehicles near the scene where your card was skimmed.

In addition to these steps, you should also monitor your financial statements closely for any unauthorized activity. If you notice any suspicious transactions, report them to your bank or credit union immediately.

By following these steps, you can help protect yourself from the consequences of card skimming.