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How Scammers Access Your Credit Card:
- Scammers use various methods to steal credit card information, both online and offline.
- They can physically steal cards, skim data from a credit card reader, and employ phishing scams.
Protecting Your Credit Card:
- Review statements regularly to catch fraudulent charges early.
- Contact your bank about suspicious activity.
- Consider freezing your credit and placing a fraud alert.
- Use virtual card numbers for online purchases to keep your real credit card details safe.
- Avoid using public Wi-Fi for sensitive transactions and utilize VPNs for added security.
- Keep your physical card secure in public places and monitor large purchases with account alerts.
- Be cautious of shoulder surfers at ATMs or store checkouts and cover your PIN entry.
How Hackers Steal Credit Cards:
- Hackers use skimmers at ATMs and gas stations to collect data and clone cards.
- They also employ phishing emails to gather card details and sell the stolen information online.
How Thieves Use Your Credit Card Information:
- Thieves can access your card details through hacking, phishing, or buying stolen data online.
- Once they have the information, they use it to make fraudulent purchases.
Consequences of Fraudulent Credit Card Use:
- If you report theft before fraudulent use, you have zero liability.
- In case fraudulent purchases were made, you’re liable for a maximum of $50.
Preventing Credit Card Fraud:
- Use virtual card numbers for online purchases.
- Avoid entering card details on public Wi-Fi networks.
- Set up transaction alerts for early detection of unauthorized activity.
- Ensure the security of your physical cards when out in public.
- Report stolen cards promptly.
