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Beware of Credit Card Skimming Scams

Sometimes, the most basic scam can also be the most devastating. Let’s take a look at credit card skimming scams and how to protect yourself from falling victim to these schemes.

What is a Credit Card Skimming Scam?

In credit card skimming scams, criminals attach tiny devices to ATMs, card readers and/or other payment terminals. These devices are designed to capture data from the magnetic stripe of credit or debit cards. They also pair skimmers with hidden cameras or fake keypads that record the user’s PIN. The devices will capture credit or debit card information when unsuspecting individuals swipe, tap or insert their cards, and it then transmit this info to the scammer, who will then use the card to commit fraud.

Where are Credit Card Skimmers Installed?

Skimmers are most commonly found in ATMs, especially those located in less-secure or low-traffic areas, like convenience stores; gas pumps and self-checkout stations at stores.

Signs of a tampered keypad or ATM

  • Loose or bulky card readers. If the reader looks misaligned, wobbly or unusually thick, it could be compromised.
  • Unusual keypads. Look for keys that feel loose, spongy or are difficult to press.
  • Visible glue or tape residue. Look for sticky residues or signs of tampering around the card slot or keypad.
  • Small cameras or holes. Inspect the area around the card reader and keypad for tiny pinhole cameras aimed at recording PIN entries.
  • Out-of-place components. Check for mismatched colors, textures or design inconsistencies between the card reader and the rest of the machine.

Protect Yourself

Here’s how to stay safe from a card skimming scam:

1. Inspect the machine. Before inserting your card into a machine, wiggle the card reader and keypad to see if it’s loose or feels unnatural.

2. Stick to ATMs at your credit union. ATMs located at financial institutions are more secure than standalone machines found in convenience stores or gas stations.

3. Cover your PIN. Use your hand or wallet to shield the keypad when entering your PIN to prevent hidden cameras from capturing your information.

4. Enable transaction alerts. Most financial institutions and credit card companies offer real-time alerts for suspicious transactions.

5. Use contactless payments. Whenever possible, opt for contactless payment methods like mobile wallets or tap-to-pay.

6. Monitor your accounts. Regularly review your checking account and credit card statements for unfamiliar transactions.

7. Use chip cards. Chip-enabled cards are more secure than magnetic stripe cards.

If You’ve Been Skimmed

If you suspect your card information has been stolen, contact your credit union or credit card company to freeze your account and dispute unauthorized transactions. Next, file a police report so they can apprehend the scammer. Finally, continue to monitor your credit report for suspicious account activity.

Personal Identity Theft Assistance for RGCU Members

If you think your RGCU debit or credit card has been compromised by a skimmer, don’t panic—but do act fast. As an RGCU cardholder, you have access to personal identity theft assistance, which includes up to $5,000 in reimbursement to help with identity recovery.

We know how stressful and confusing fraud can be. That’s why we’re here to support you every step of the way.

Quick action can make all the difference. If your card’s been skimmed, report it right away and take advantage of the protection your card offers.



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