Phishing

An email or text that looks like it’s from a trusted company lures you into handing over your card information.

• Don’t click a link unless you’re completely sure it’s legitimate.
• Check that a site’s address starts with “https://,” a sign it’s secure.
• Read web addresses closely, fake sites often rely on subtle misspellings.
• For extra safety, decline when a site offers to save your card details for next time.

Skimming

A small device is fitted onto a real card reader, blending in just enough to go unnoticed while it quietly captures your card information.

• Give the card reader a gentle check — make sure it’s firmly attached and the graphics line up.
• Keys that feel stiff or hard to press can signal a fake keypad laid over the real one.
• Be cautious with privately owned ATMs, where most skimming happens.

Malware

You accidentally download a virus that sits undetected on your computer. Then it quietly relays your card information to a fraudster the moment you type it online.

• Scan downloads with antivirus software before you open them.
• Steer clear of random links.
• Be cautious opening email attachments or images.
• Don’t interact with pop-up windows.

Weak Passwords

“123456.” “Password.” It’s surprising how many people still rely on passwords a scammer can crack in seconds.

• Try a passphrase that mixes in numbers and special characters, like MyL1feisH@ppy.
• Use a password manager app.
• Avoid reusing the same password across different accounts.
• Keep your passwords to yourself and refresh them regularly.

Card Theft

Someone physically takes your card and runs up fraudulent purchases.

• Keep a close eye on your wallet or handbag in public.
• Never leave cards sitting unattended.
• The moment a merchant or server hands your card back, return it to its usual safe spot.