What to Do if Your Credit Card Has Been Skimmed. When Travis Longmore visited the United States, he wasnt expecting his credit card information to be stolen. HLB1dtCsFVXXXXcIXpXXq6xXFXXXT/112002653/HLB1dtCsFVXXXXcIXpXXq6xXFXXXT.jpg' alt='Credit Card Chip Reader Writer Software' title='Credit Card Chip Reader Writer Software' />Whats more, he wasnt expecting his bank to not believe him. Longmores is a typical case of credit card skimming. Thieves use small devices that scan and store information from a cards magnetic strip. They then create a counterfeit credit card with the stolen information. I got an email from my bank saying they thought I had some fraudulent charges on my card, says Longmore, a 3. HP 17. 3 Laptop Intel Core i5 8GB Memory 1TB Hard Drive HP finish in jet black. TheINQUIRER publishes daily news, reviews on the latest gadgets and devices, and INQdepth articles for tech buffs and hobbyists. US card companies are putting security chips on credit cards, although many are resisting the higher level of security from requiring a personal. Australia. But when I went and looked at the transactions they were talking about, they were ones Id actually done. As Longmore glanced over his recent purchases, he noticed about 2,0. Pennsylvania while he was in New York City. When he called the card issuer, it didnt believe the charges were fraudulent because a card was present in the transaction. I had to prove to them I was in New York City when the transactions were happening, Longmore says. Status Quo Piledriver Vinyl Lp. After some back and forth they believed me and refunded the money. Longmore describes himself as cautious about how he uses his credit card. But like most victims of credit card skimming, he has no idea where his credit card information was stolen. To protect yourself from skimming, its important to understand how it works and what to look for. MSR_X6.jpg]];var lpix_1=pix_1.length;var p1_0= [[816' alt='Credit Card Chip Reader Writer Software' title='Credit Card Chip Reader Writer Software' />Unfortunately, theres no foolproof way to prevent your credit card from being skimmed. However, you can change certain habits to avoid putting your card in compromising situations. Check the card reader at the gas pump and ATMSkimming devices can be hard to detect if youre not paying attention. In most cases, a skimmer may look exactly like the original card reader. If youre at a gas pump, check the card reader at the next pump to make sure it looks the same as the one you were planning to use. Its unlikely that a fraudster would install a skimmer at all the pumps. When using an ATM, check for tampering. If something looks off, such as a different color scheme, mismatching material or the reader looks misaligned, contact the bank and use a different ATM or make your withdrawal at one of the banks branches. Use cash. Whether youre at a restaurant, a gas pump or a grocery store, you can rarely go wrong with cash. This can especially give you peace of mind at restaurants, where the server processes your card out of sight. Although it takes more effort to always have cash on hand, it can prevent you from dealing with potential fraudulent activity. MORE How to Dispute Fraudulent Credit Card Charges. Apply for a card that has an EMV chip. One way credit card companies are combatting skimming fraud is by adding EMV chips to their cards. Unlike the magnetic strip on the back of your credit card, an EMV chip encrypts your card data and generates a unique transaction code each time you use the card. Because the code changes each time you make a purchase, copying it does a thief no good. Although many retailers dont yet have the software andor hardware to process EMV chip credit cards as of June 2. Thats because the four major U. S. credit card payment networks plan to shift the liability for fraud committed with a card present to merchants that do not make the necessary upgrades by the following deadlines Visa. Master. Card. American Express. Discover. Retail point of service terminals. October 1, 2. 01. October 1, 2. 01. October 2. 01. 5October 1, 2. ATMs. October 1, 2. October 1, 2. 01. NANAGas stations Automated fuel dispensers. October 1, 2. 01. October 1, 2. 01. October 2. 01. 7October 1, 2. Keep an eye on your accounts. Although theres no surefire way to avoid skimming completely, you can minimize the damage if it does happen to you by paying attention to your credit card balance. The Nerds recommend checking your online account often, especially during times when youre using your card more frequently. How often is up to you, but thieves usually act quickly, so dont let too much time go by without reviewing your recent transactions. Ben Luthi is a staff writer at Nerd. 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