How Scammers Are STEALING Your Credit Card Info | Aura
How do scammers steal credit card numbers? https://www.aura.com/learn/how-do-peo...
So how do scammers target you?
1. Stolen & Lost Wallets
For as long as there have been pockets, there’s been someone to pick them. Plus, with how busy things are, it’s not difficult to forget things every once in a while. Sure, the world is getting more digital, but thieves haven’t totally forgotten about the real world.
2. Card Skimmers and Shimmers
These are little devices that can steal your card information when you use it. Skimmers steal the information from the magnetic strip, and shimmers get it from the chip.
3. Dumpster Diving
A tossed pre-approved card, replacement card, or card statements could be all an identity theft needs.
4. Phishing
We’ve all seen these before. Scammers can email, call, or text pretending to be an organization that you trust- like the bank or the IRS. They will ask for your information. If you give it to them or input it in their form, it’s game over.
5. Malware & Spyware
You could accidentally download this dangerous software through infected websites or links. Some malwares collect everything you type- so hackers can get away with a lot more than your credit card.
6. Formjacking
Hackers can sometimes insert malware in the forms of websites you trust. When you enter your information, it goes to them, too.
7. Data Breaches and Hacked Payment Systems
Data breaches are on the rise. Just one data breach could expose millions of cards. You could be especially at risk if you store your credit card information in online stores.
8. Account Takeovers
If a thief gets a hold of your credit card log-in, they can use your card almost as if they had it in-hand. Worse, they can start applying for new cards or take out loans.
So, how do you know if someone stole your credit card info?
Well, there are some warning signs. You should always be on the lookout for suspicious activity. Even small transactions, like a charge for a penny, could be a test run for a scammer. If your balance is different than what you expected, closely examine your statements. Also, be sure to watch for new accounts or inquiries on your credit report.
So, now that you know how your card could be stolen and what could be a sign if it was, the big question remains: What should you do about it?
First of all, if your card is stolen, you need to report it immediately. Report the theft to your credit card company or bank first. You’ll want to close or freeze your accounts at the same time. The good news is that with credit cards, your liability is normally very low if you report it within 60 days. Then report the theft to the FTC at IdentityTheft.gov and to local law enforcement.
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