Is that a card skimmer? How to spot them at NC gas pumps and ATMs, avoid fraud
Even though skimming devices are illegal in North Carolina, criminals still use them to try to steal people’s money.
These devices can be placed over card readers to capture credit card numbers and other personal information without a customer’s knowledge. That information can then be used to drain accounts or commit identity theft.
Skimmers have been discovered at gas stations across North Carolina before, The Charlotte Observer previously reported.
The FBI estimates skimming schemes cost consumers and financial institutions more than $1 billion each year in the United States.
Where are credit card skimmers used?
Skimming devices are commonly found at gas pumps, where they can be hidden inside the machine, or at ATMs, sometimes paired with pinhole cameras to capture PINs, according to the FBI. If you suspect skimming, contact your bank immediately.
Here’s how to spot a skimmer and reduce your risk at gas pumps and ATMs.
How can you spot a card skimmer?
Here are some ways to spot a card skimmer, according to Capital One:
- Look at the card reader: If there are any pieces of the machine that are bulging or raised, that could be a sign that a skimmer was installed.
- Inspect the card reader: If a machine feels like it’s coming apart in some places, or if it doesn’t feel sturdy, it could signal that a skimmer was placed.
- Check the security seal: If you’re at a gas station, you can check the pump to see if the security seal is intact. If the seal is broken, it could mean a skimmer was installed.
How can you avoid a card skimmer at a gas pump?
The FBI recommends choosing gas pumps closest to the store and in view of the attendant, as they’re less likely to be targeted by skimmers.
Running your debit card as a credit card, covering the keypad when entering your PIN or paying inside instead of at the pump can also reduce your risk.
How to protect yourself at the ATM
Here are some tips from the FBI to avoid skimmers at ATMs:
- Don’t use the machine if you notice anything unusual, such as any loose, crooked, damage or scratched equipment.
- Use ATMs in a well-lit, indoor location.
- Use extra caution in high-traffic tourist areas, as these are common targets for skimmers.
- Use debit and credit cards with chip technology.
- Use a credit card when possible rather than a debit card, so you can catch fraudulent charges before you pay them.
Portions of this story were previously published in The Charlotte Observer.
