Thursday, February 9, 2017

Credit/Debit Safety

We have all heard the stories about people getting their credit/debit cards skimmed at various locations.  Heck some of us have even had it happen.
It is really scary that this can happen.  Crooks get your info, then go on a spending spree.

Credit card and debit  card companies have changed their technology to prevent this from happening.  We all used to "swipe" out cards in the machines, now the new cards have a "chip" and they are pushed into the machines.
Stores and businesses were supposed to have the new machines operational by January 1, 2017 in the U.S.  Many stores still do not.

I was told by a store owner the other day that the crooks have figured a NEW way to get info and skim your card with the new technology.  Geesh!

Here is what you need to watch for:

When you get ready to slip your card in the reader - feel the bottom of the machine first.  You should feel JUST THE BOTTOM of the reader below the slot.  Scammers are now adding a  second level to some machines.  If you feel TWO  layers  (or bottoms/lips) below the slot - DON'T USE IT and ALERT THE STORE IMMEDIATELY.     That second lip is a card reader.

We check our card balances several times a week, and can quickly find any misuse.  It has happened to us 3 times over the years.  The banks have always graciously removed the charges and issued us new cards - but it is just a hassle and takes time.  Luckily we found the problem quickly upon it happening.

Be very aware when using your cards at stores, gas stations, even at ATM's.  This is happening every where.
Keep close watch on your balances, and notify the bank or card service immediately when you see a problem.

It's really sad that people work so hard to cheat hard working people out of their money.  If everyone worked as hard and used as much talent to make an honest living - the world would be a much better place.


  1. Good info! How do these criminals have enough time to think up all these scams anyway?

    1. Rhonda - it's because that's their job. That is all they do - scam people - so they have time.
      It is just pitiful!

  2. Years ago I got mad and cut up most of our credit cards. We have some but they are only used for gasoline, online purchases and only if ABSOLUTELY need be at a store. Otherwise we pay cash, or we wait. I think I make my husband angry sometimes. He's the one with holes in his pockets!

    1. What you said is what the credit manager at our bank has told me, that is saying something!

    2. You go girl!!!!! That is great! I have to admit we have a card with a very low credit limit (got on purpose) that we use for on-line purchases and that I use for all my purchases. It gains points for every dollar spent - so we end up with a nice gift card to use as well.

      Our larger credit balance cards are never carried and are strictly for an emergency. Heaven forbid!

      You stick to your guns. It's is so smart to use cash. When you have to stop and think about purchases - you most often spend less.

      Good job. Have a great day.

  3. Replies
    1. You are welcome. We all need to be aware!
      Have a great weekend.

  4. Isn't it sad that our world has become so evil. Scary what can happen. Nancy

  5. Thank you for the tip on what to look for when using those machines.

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