Federal Trade Commission officials are warning motorists to avoid being scammed by skimmers this summer travel season.
A “skimmer” is an illegal card reader that attaches to credit card slots and steals data off of your card’s magnetic strip. They’re used most frequently at gas pumps. Criminals sell this info or use it to buy items online. Card owners may not even realize their information has been stolen until they receive their statement or an overdraft notice.
Fortunately, there are a few ways to spot a skimmer to protect your personal information from potential thieves.
Always make sure the gas pump panel is closed and doesn’t show signs of tampering. Stations often put a security seal over the cabinet panel which will read “void” if it has been opened.
Skimmers do usually resemble card readers but they look different. They often protrude from the unit rather than be set in. Before putting your card into the slot, wiggle the reader. If it if moves, immediately report it to an employee.
Additionally, if your phone has Bluetooth scanning capabilities, you can turn that on to check for skimmers embedded in the pumps. If a random series of numbers and letters pop up it could be a telltale sign that a skimmer has been installed. DO NOT connect to the Bluetooth device and immediately notify a gas station attendant of your concern.
If you use your debit card at the pump, run it as a credit card rather than entering your PIN. FTC representatives say this way, your PIN is safe and the money isn’t deducted immediately from your account. If you’re concerned that it may not be safe to pay at the pump, pay inside.
Right: Skimmer Attached
Last but certainly not least, monitor your credit card and bank accounts regularly to spot any unauthorized charges immediately.
If your credit card has been compromised, the FTC encourages you to report it to your bank or card issuer right away. Federal law limits your liability if your credit, ATM or debit card is stolen but it may depend on how quickly you report the loss of theft.
