Can you spot a credit card skimmer?

Home Coffeeroom Money & Finance Can you spot a credit card skimmer?

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  • #1395235

    Lightbrite
    Participant

    Educate yourself on what credit card skimmers look like.

    You might think you’re using an ATM slot or touch pad, but G-d forbid you could be inserting your card or entering your pin in a skimmer, sending your private financial information to criminals.

    Thank you

    #1395271

    Lightbrite
    Participant

    Today I looked up some photos on credit card skimmers, and it’s so possible that I’ve used one and never knew it.

    Just last year, police in my county removed over half a hundred skimmers at gas stations.

    Gosh… when did people start using credit cards?

    #1395272

    Lightbrite
    Participant

    Do you have one of those special scanner proof wallets?

    #1395279

    Joseph
    Participant

    Just use reputable ATMs at major banks and known retailers.

    #1395430

    iacisrmma
    Participant

    joseph: “reputable ATMs at major banks” have also had skimmers attached to them.

    #1395439

    Joseph
    Participant

    Wouldn’t a skimmer attached to a bank’s ATM prevent the ATM from reading the card, thus alerting the customer that something is amiss?

    #1395494

    iacisrmma
    Participant

    CBS2 Exclusive: ATM Skimmer Found In Howell Tied To Over 100 Fraudulent Transactions
    October 19, 2017 7:22 PM
    Monmouth County

    HOWELL, N.J. (CBSNewYork) — Police in New Jersey are warning bank customers to be on the lookout for an ATM skimming scam.

    Howell Township Police said two men have made over 100 fraudulent transactions in Monmouth County, and stolen the debit card numbers of just as many.

    “These are professionals, not just two guys got together try to scam people. This is an elaborate, complex, international scheme,” Christian Antunez told CBS2’s Meg Baker.

    They do it with external skimming devices at locations you might think are the safest — your local bank.

    The Howell branch of the Manasquan bank first noticed that someone smeared something on the security camera lens.

    “When we started to put everything together we realized that so far here in Howell Township, about thirty to forty-thousand dollars of fraudulent withdrawals,” Antunez said.

    The accounts were foreign, mostly Canadian.

    Police recovered a skimmer from the branch in Manasquan in early September. Evidence shows it was in place for three days stealing personal information from dozens of customers.

    “That’s my bank, so kind of worrying,” Tom Kosch said.

    Police suspect the cards and pins recorded in New Jersey will be used out of state or in a different country.

    “I always pull my account up every day to check it because I’m paranoid about that kind of stuff anyway,” Kosch said.

    It’s suspected that the perpetrators may be from New York.

    “They rented a car at a rental agency in Brooklyn,” Antunez said.

    And they used a fake Italian license with the name Michelle Toto to do it.

    Police are hoping someone recognizes the criminals and advises people to pull on the ATM, if it’s fake it won’t be secured very well.

    Authorities believe their lead on the suspects could open up investigations in other New Jersey counties — one case in Middlesex County has already been tied to the scam.

    #1395505

    Meno
    Participant

    Just avoid using ATM/debit cards as much as possible. With most credit cards it’s very easy and hassle-free to dispute fraudulent charges.

    If you must use an ATM, use one inside a bank.

    #1395599

    Joseph
    Participant

    “If you must use an ATM, use one inside a bank.”

    That’s what I suggested above, but iac retorted that even those are vulnerable.

    #1395798

    iacisrmma
    Participant

    joseph and meno: Many ATM’s located inside a bank have had skimmers attached to them. I will try to find the articles tomorrow when I can check my work e-mails.

    #1395833

    Joseph
    Participant

    iac: Did you prosecute any of those cases?

    #1396155

    Lightbrite
    Participant

    Also a huge problem at gas stations

    #1396306

    TheGoq
    Participant

    I am a supermarket cashier when working at the start of the day one of the tasks we do is check all the pinpad’s for skimmers.

    #1396335

    iacisrmma
    Participant

    joseph: me personally, no. I want to look for those e-mails I have discussing ATM’s inside on banks that had skimmers attached.

    #1396344

    Joseph
    Participant

    iac: What kind of crimes is your prosecutorial focus?

    #1396823

    iacisrmma
    Participant

    joseph: Unfortunately that information is private in that it may identify me.

    As to ATM skimmers, Brian Krebs has an archive about these skimming devices. Google “krebs on security all about skimmers”.

    #1396854

    Meno
    Participant

    Before you use any ATM, try to yank pieces off of it, and then try to pull the machine out of the wall.

    After you do that, look all around and say “cheese”, because someone will probably be filming you so they can send it in to YWN.

    #1409017

    Lightbrite
    Participant

    Ummm.. I just swiped my chipified credit card to buy a bottle of water at a super high traffic kiosk… sat down, and then remembered the risks…

    Emuna emuna emuna… okay the end… thank you

    #1409076

    Meno
    Participant

    Ummm.. I just swiped my chipified credit card to buy a bottle of water at a super high traffic kiosk… sat down, and then remembered the risks…

    Oh no. I hope no one stole your credit card info and used it to buy 4 million dollars worth of packing peanuts.

    #1409411

    Lightbrite
    Participant

    Me too Meno! Just paid cash for the Yellow Cab (because what if the person in front of me installed a skimmer?

    But paying cash for everything is a lot… sometimes and a lot of times, credit makes more sense despite the risks…

    #1410913

    Meno
    Participant

    It’s definitely more risky to carry around cash.

    If your credit card info gets stolen, in almost all cases it is very easy to get your money back. It has happened to me several times, and I have never had any problems.

    It’s much more likely that cash will fall out of your pocket or get stolen, in which case it will be gone forever. I rarely use cash for anything.

    Also, I’m not totally sure about this, but I think if you have a card with a chip (as you probably do), most skimmers won’t work anyway.

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