A few weeks ago, son came in to tell me that almost five hundred dollars had been stripped from my bank account. When I went down to fill out the papers, they told me someone had put a credit card “skimmer” at a gas station. I had never heard of a skimmer and so came home and started researching. It took three weeks for the bank to restore my account which made it very hard. So, I decided I wanted to warn others of this horrible fraud.
A skimmer is a device someone can carry in their pocket, or place on a gas pump or other ATM machine and it copies your credit card info. It has a little camera in it to copy your pen number. What will thieves think of next. It makes me very scared of debit and credit cards.
Now, I am on disability so losing five hundred dollars was a blow for me and thank God that the people in this town were understanding for I had utilities to pay and bills to pay.
Below is a video showing how easy it is for someone to skim your card.
My checking account showed charges from the Michigan Walmart and Target Stores. Obviously, I am not in Michigan. The bank not only restored my money but all overdraft charges and I was so thankful. But, now I worried about how to keep from getting skimmed again.
Skimmers are placed right over where you run your card and sometimes encase the whole slot you stick your card in.
The experts say to watch for anything bulky on the machine. Also, pay attention to see if the machine has changed on you from last time. They also tell you to put your hand over the keyboard when you do your pen number to keep the skimmer camera from picking up your pen number.
People can walk around with skimmers that actually read your card in your wallet or purse.
Why is it we take things so easily like “convenance” and don’t wonder what the consequences will be. Those little key-chain credit cards are a crooks delight. Sending your card with the check to be paid, instead of walking and watching while they do your card, is asking for problems.
More pictures of credit card skimmers can be seen here.
So, please take precautions with your credit cards and debit cards. Unless you have plenty of money, losing five hundred dollars in a swoop is extremely hard for someone like me. As for us, we are investing in one of those special wallets that protects your security strip in your card with all your info. They look like this and you can buy them at many places.
This picture came from here and you can read about them. Shop around before buying.
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