You’ve probably already heard about (but hopefully not encountered) the dangers of card skimmers. Mounted onto gas-station payment terminals or placed over card slots on ATM machines, these devices scan the card you insert, possibly intercepting your payment information and other personal data.
One of the newest and potentially most dangerous kinds of skimmers, recently identified by ATM-maker NCR Corp., is what’s called a deep-insert skimmer. These are tiny devices inserted in ATM card slots. What makes them different from other kinds of skimmers is they’re placed in such a way that they’re usually not even visible to the person inserting their card. NCR, for one, is reported to be working on a software update to help detect these skimmers.
In the meantime, here are 3 sensible precautions to take:
1. Try to visit ATMs in publicly-visible locations.
Though deep-insert skimmers may be difficult to detect, it may be harder for criminals to install such devices in well-lit, frequently-trafficked ATMs than it might be for more-remotely-located ATMs.
2. Regularly check your bank statements.
Opening those email PDFs, logging into your bank site or opening those letters may seem boring and a waste of time, but especially as skimming technology becomes harder to detect on the front end, it pays to double check on the back end.
3. Get credit monitoring.
If someone steals your ATM-card information, they may try to use it to open up a line of credit at that bank or apply for a card in your name.
With TransUnion Credit Monitoring, you get:
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What You Need to Know:
There are various types of credit scores, and lenders use a variety of different types of credit scores to make lending decisions. The credit score you receive is based on the VantageScore 3.0 model and may not be the credit score model used by your lender.
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